<SEC-DOCUMENT>0001140361-22-039390.txt : 20221101
<SEC-HEADER>0001140361-22-039390.hdr.sgml : 20221101
<ACCEPTANCE-DATETIME>20221101164517
ACCESSION NUMBER:		0001140361-22-039390
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		21
FILED AS OF DATE:		20221101
DATE AS OF CHANGE:		20221101

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MVB FINANCIAL CORP
		CENTRAL INDEX KEY:			0001277902
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				200034461
		STATE OF INCORPORATION:			WV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-268098
		FILM NUMBER:		221351097

	BUSINESS ADDRESS:	
		STREET 1:		301 VIRGINIA AVENUE
		CITY:			FAIRMONT
		STATE:			WV
		ZIP:			26554-2777
		BUSINESS PHONE:		3043634800

	MAIL ADDRESS:	
		STREET 1:		301 VIRGINIA AVENUE
		CITY:			FAIRMONT
		STATE:			WV
		ZIP:			26554-2777
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4
<SEQUENCE>1
<FILENAME>ny20005581x1_s4.htm
<DESCRIPTION>S-4
<TEXT>
<html><head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head><body style="color: #000000;" bgcolor="#ffffff">
<!--Begin Page 1-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 540pt;"><a name="ny20005581x1_s4_100-regcov_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 540pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 25pt; text-align: center;">As filed with the Securities and Exchange Commission on November 1, 2022 </div><div class="regno" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 1pt; text-align: right;">Registration No. 333-&#8195;&#8195;&#8195;</div></div></div><div class="block-frill" style="width: 540pt; margin-left: 0pt;"><div><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 2pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-left: auto; margin-right: auto; margin-top: 4pt;"> </div></div></div><div class="block-main" style="width: 540pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; margin-top: 8pt; text-align: center;">SECURITIES AND EXCHANGE COMMISSION<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-size: 10pt;">WASHINGTON, D.C. 20549</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold; margin-top: 8.5pt; text-align: center;">FORM S-4</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; text-align: center;">REGISTRATION STATEMENT<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">UNDER<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">THE SECURITIES ACT OF 1933</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 16pt; font-weight: bold; margin-top: 9.5pt; text-align: center;">MVB Financial Corp.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 16pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-size: 9.7pt;">(Exact name of Registrant as specified in its charter)</font></div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 540pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">West Virginia </div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">6022 </div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">20-0034461 </div></td></tr><tr><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(State or other jurisdiction of <br>incorporation or organization)</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Primary Standard Industrial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Classification Code Number)</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 31.85%; text-align: center; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(I.R.S. Employer <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identification No.)</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 3.5pt; text-align: center;">301 Virginia Avenue<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fairmont, West Virginia 26554-2777<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(304) 363-4800<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal executive offices)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 3.5pt; text-align: center;">Donald T. Robinson<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">President and Chief Financial Officer<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">301 Virginia Avenue<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fairmont, West Virginia 26554-2777<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(304) 363-4800<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Name, address, including zip code, and telephone number, including area code, of agent for service)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-style: italic; font-weight: bold; margin-top: 3.5pt; text-align: center;">Copies to:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 540pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.89%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">James J. Barresi <br>Evan A. Toebbe <br>Squire Patton Boggs (US) LLP <br>201 E. Fourth Street, Suite 1900 <br>Cincinnati, OH 45202 <br>(513) 361-1200</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.89%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Stuart M. Rigot <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Jonathan A. Greene <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Wyrick Robbins Yates &amp; Ponton LLP <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">4101 Lake Boone Trail, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Suite 300 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">Raleigh, NC 27607 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 0pt; text-align: center;">(919) 781-4000</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-style: italic; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">(Approximate date of commencement of proposed sale of the securities to the public<font style="font-style: normal; font-weight: normal;">: As soon as practicable after this Registration </font><font style="font-style: normal; font-weight: normal;">Statement is declared effective and upon completion of the merger described herein.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">If the securities being registered on this Form are being offered in connection with the formation of a holding company and there is compliance with General Instruction G, check the following box. <font style="font-size: 1pt;">&#8201;</font>&#x2610; </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. <font style="font-size: 1pt;">&#8201;</font>&#x2610; </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. <font style="font-size: 1pt;">&#8201;</font>&#x2610; </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 540pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 20%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Large accelerated filer</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;<font style="font-size: 9.6pt;">&#x2610;</font></div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 40%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 26.67%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accelerated filer</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#x2612;</div></td></tr><tr><td style="width: 20%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Non-accelerated filer</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;<font style="font-size: 9.6pt;">&#x2610;</font></div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 40%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 26.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Smaller reporting company</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;<font style="font-size: 9.6pt;">&#x2610;</font></div></td></tr><tr><td style="width: 20%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 40%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 26.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Emerging growth company</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.22%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;<font style="font-size: 9.6pt;">&#x2610;</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. <font style="font-size: 1pt;">&#8201;</font>&#x2610;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 3.5pt; margin-left: 0pt; text-align: left;">If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 540pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 2.22%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 95.56%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Act Rule 13e-4(i) (Cross-Border Issuer Tender Offer) <font style="font-size: 1pt;">&#8201;</font>&#x2610; </div></td></tr><tr><td style="width: 2.22%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt;">&#160;</div></td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.11%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 95.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Act Rule 14d-1(d) (Cross-Border Third-Party Tender Offer) <font style="font-size: 1pt;">&#8201;</font>&#x2610;</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.6pt; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">THE REGISTRANT HEREBY AMENDS THIS REGISTRATION STATEMENT ON SUCH DATE OR DATES AS MAY BE NECESSARY TO DELAY ITS EFFECTIVE DATE UNTIL THE REGISTRANT SHALL FILE A FURTHER AMENDMENT WHICH SPECIFICALLY STATES THAT THIS REGISTRATION STATEMENT SHALL THEREAFTER BECOME EFFECTIVE IN ACCORDANCE WITH SECTION 8(a) OF THE SECURITIES ACT OF 1933 OR UNTIL THE REGISTRATION STATEMENT SHALL BECOME EFFECTIVE ON SUCH DATE AS THE COMMISSION ACTING PURSUANT TO SAID SECTION 8(a) MAY DETERMINE.</div></div><div class="block-frill" style="width: 540pt; margin-top: 12pt; margin-left: 0pt;"><div><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 2pt solid #000000; margin-bottom: 1pt; margin-left: auto; margin-right: auto; margin-top: 4pt;"> </div></div></div></div>
<!--End Page 1-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 2-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 528pt;"><a name="ny20005581x1_s4_101-cov_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 528pt; margin-left: 0pt;"><div class="h1" style="color: #FC0014; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><div style="font-family: Arial, Helvetica, sans-serif; text-align: left; margin-bottom: 12pt;">The information in this joint proxy statement/prospectus is not complete and may be changed. A registration statement relating to the securities described in this joint proxy statement/prospectus has been filed with the U.S. Securities and Exchange Commission. These securities may not be issued until the registration statement filed with the U.S. Securities and Exchange Commission is effective. This joint proxy statement/prospectus does not constitute an offer to sell or the solicitation of offers to buy these securities in any jurisdiction where the offer or sale is not permitted.</div>PRELIMINARY&#8212;SUBJECT TO COMPLETION&#8212;NOVEMBER 1, 2022 </div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 528pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.86%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><img style="height: 120px; width: 191px;" src="logo_mvbfinancial.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">&#8201;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.86%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><img style="height: 137px; width: 220px;" src="logo_integratedfinancial.jpg"><font style="padding-left: 165pt;">&#8201;</font><br></div></td></tr></table><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: -6pt; text-align: center;">To the Shareholders of MVB Financial Corp. and Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">MERGER PROPOSED&#8212;YOUR VOTE IS VERY IMPORTANT</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">On behalf of the boards of directors of MVB Financial Corp. (&#8220;MVB&#8221;) and Integrated Financial Holdings, Inc. (&#8220;IFH&#8221;), we are pleased to enclose the accompanying joint proxy statement/prospectus relating to the merger of IFH and MVB pursuant to which IFH will merge with and into MVB. We are requesting that you take certain actions as a holder of MVB common stock (an &#8220;MVB shareholder&#8221; or &#8220;shareholder&#8221;) or as a holder of IFH common stock (an &#8220;IFH shareholder&#8221; or &#8220;shareholder&#8221;).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">On August&#160;12, 2022, MVB and IFH entered into an Agreement and Plan of Merger and Reorganization (as may be amended, modified or supplemented from time to time in accordance with its terms, the &#8220;merger agreement&#8221;), pursuant to which MVB will acquire IFH in an all-stock transaction. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">Under the terms of the merger agreement, IFH shareholders will receive 1.21 shares of MVB common stock for each share of IFH common stock. Based on the closing price of MVB stock of $34.54 on August&#160;11, 2022, the last trading day before the public announcement of the merger, the implied per share purchase price is $41.79, with an aggregate transaction value of approximately $98.0&#160;million. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">MVB shareholders will continue to own their existing shares of MVB common stock following the merger. The value of the MVB common stock at the time of completion of the merger could be greater than, less than or the same as the value of MVB common stock on the date of the accompanying joint proxy statement/prospectus. <font style="font-weight: bold;">We urge you to obtain current market quotations of MVB </font><font style="font-weight: bold;">common stock (NASDAQ trading symbol &#8220;MVBF&#8221;) and IFH common stock (OTCQX trading symbol &#8220;IFHI&#8221;).</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">We expect the merger will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;). Accordingly, IFH shareholders generally will not recognize any gain or loss for federal income tax purposes on the exchange of shares of IFH common stock for MVB common stock in the merger, except with respect to any cash received by holders of IFH common stock in lieu of fractional shares of MVB common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">Based on the number of shares of IFH common stock outstanding or reserved for issuance as of [&#8195;&#8195;&#8195;], 2022, MVB expects to issue approximately [&#8195;&#8195;] million shares of MVB common stock to IFH shareholders in the aggregate in the merger. We estimate that former IFH shareholders will own approximately [&#8195;&#8195;&#8195;] percent ([&#8195;]%) and existing MVB shareholders will own approximately [&#8195;&#8195;] ([&#8195;]%) of the common stock of MVB following the completion of the merger. The amounts and percentages do not reflect adjustments based upon, or otherwise give effect to, any additional shares of MVB common stock that MVB may issue to prevent the termination of the merger agreement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">MVB and IFH will each hold a special meeting of our respective shareholders in connection with the merger. At its special meeting, in addition to other business, MVB will ask its shareholders to approve (i)&#160;the merger agreement and the transactions contemplated by the merger agreement, including the merger of IFH with and into MVB, with MVB as the surviving company, and the issuance of shares of MVB common stock as merger consideration and (ii)&#160;an amendment to MVB&#8217;s articles of incorporation to effect an increase in the number of authorized shares of MVB&#8217;s common stock. At its special meeting, IFH will ask its shareholders to approve the merger agreement. Information about these meetings and the merger is contained in this document. We urge you to read this document carefully and in its entirety. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">The special meeting of IFH shareholders will be held on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;], Eastern Time. The special meeting of MVB will be held virtually via the internet on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;], Eastern Time. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">Each of our boards of directors unanimously recommends that holders of common stock vote &#8220;FOR&#8221; each of the proposals to be considered at the respective meetings. We strongly support this combination of our companies and join our boards in their recommendations.<font style="font-weight: normal;"> </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">This joint proxy statement/prospectus provides you with detailed information about the merger agreement and the merger. It also contains or references information about MVB and IFH and certain related matters. You are encouraged to read this joint proxy statement/prospectus carefully. In particular, you should read the &#8220;Risk Factors&#8221; section beginning on page <a href="#tRISKFAC">25</a> for a discussion of the risks you should consider in evaluating the proposed merger and how it will affect you. You can also obtain information about MVB from documents that have been filed with the Securities and Exchange Commission that are incorporated into this joint proxy statement/prospectus by reference.<font style="font-weight: normal;"> </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">On behalf of the MVB and IFH boards of directors, thank you for your prompt attention to this important matter. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">Sincerely, </div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 528pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.86%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Larry F. Mazza <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Chief Executive Officer <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB Financial Corp.</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.86%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eric J. Bergevin <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">President and Chief Executive Officer <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.8pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of the securities to be issued in connection with the merger or determined if this document is accurate or complete. Any representation to the contrary is a criminal offense.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; font-weight: bold; margin-top: 3pt; margin-left: 0pt; text-align: left;">The securities to be issued in the merger are not savings or deposit accounts or other obligations of any bank or non-bank subsidiary of either MVB or IFH, and they are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9.5pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">The accompanying joint proxy statement/prospectus is dated [&#8195;&#8195;&#8195;], 2022, and is first being mailed to holders of MVB common stock and holders of IFH common stock on or about [&#8195;&#8195;], 2022.</div></div></div></div>
<!--End Page 2-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 3-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_102-additional_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">ADDITIONAL INFORMATION</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This joint proxy statement/prospectus incorporates important business and financial information about MVB from documents filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;), that are not included in or delivered with this joint proxy statement/prospectus. You can obtain any of the documents filed with or furnished to the SEC by MVB at no cost from the SEC&#8217;s website at http://www.sec.report. MVB has filed a registration statement on Form S-4 of which this joint proxy statement/prospectus forms a part. As permitted by SEC rules, this joint proxy statement/prospectus does not contain all of the information included in the registration statement or in the exhibits or schedules to the registration statement. You may obtain a free copy of the registration statement, including any amendments, schedules and exhibits at the address set forth below. Statements contained in this joint proxy statement/prospectus as to the contents of any contract or other documents referred to in this joint proxy statement/prospectus are not necessarily complete. In each case, you should refer to the copy of the applicable contract or other document filed as an exhibit to the registration statement. You may also request copies of these documents, including documents incorporated by reference in this joint proxy statement/prospectus, at no cost by contacting MVB at the contact information set forth below:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; text-align: center;">MVB Financial Corp.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">301 Virginia Avenue<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fairmont, West Virginia 26554-2777<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-weight: normal;">Attention: Corporate Secretary</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-weight: normal;">Telephone: (304) 363-4800</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">You will not be charged for any of these documents that you request. To obtain timely delivery of these documents, you must request them no later than five business days before the date of your respective company&#8217;s shareholder meeting, or [&#8195;&#8195;&#8195;], 2022 if you are an MVB shareholder and [&#8195;&#8195;&#8195;], 2022 if you are an IFH shareholder.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are an MVB shareholder and have any questions about the merger agreement, the merger, the MVB special meeting or the joint proxy statement/prospectus, would like additional copies of the joint proxy statement/prospectus, need a proxy card or need help voting your shares of MVB common stock, please contact Lisa J. McCormick, Corporate Secretary of MVB, at (304) 363-4800 or by email to lmccormick@mvbbanking.com.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are an IFH shareholder and have any questions about the merger agreement, the merger, the IFH special meeting or the joint proxy statement/prospectus, would like additional copies of the joint proxy statement/prospectus, need a proxy card or need help voting your shares of IFH common stock, please contact Steven E. Crouse, EVP and Chief Financial Officer of IFH at (919) 861-8018 or by e-mail to steve@ifhinc.com.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">You should rely only on the information contained in or incorporated by reference into this joint proxy statement/prospectus. No one has been authorized to provide you with information that is different from that contained in, or incorporated by reference into, this joint proxy statement/prospectus. This joint proxy statement/prospectus is dated [&#8195;&#8195;&#8195;], 2022, and you should assume that the information in this joint proxy statement/prospectus is accurate only as of such date. You should assume that the information incorporated by reference into this joint proxy statement/prospectus from another document is accurate as of the date of such other document or the date referenced in such other document with respect to particular information contained therein. Neither the mailing of this document to the shareholders of MVB or IFH nor the issuance by MVB of shares of MVB common stock in connection with the merger will create any implication to the contrary.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">This document does not constitute an offer to sell, or a solicitation of an offer to buy any securities, or the solicitation of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Except where the context otherwise indicates, information contained in this document regarding IFH has been provided by IFH and information contained in this document regarding MVB has been provided by MVB. See &#8220;Where You Can Find More Information&#8221; for more details.</div></div></div></div>
<!--End Page 3-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 4-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_103-notice_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; text-align: center;"><img style="height: 120px; width: 191px;" src="logo_mvbfinancial.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">MVB Financial Corp. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">301 Virginia Avenue<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fairmont, West Virginia 26554-2777</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18pt; text-align: center;">NOTICE OF SPECIAL MEETING OF MVB SHAREHOLDERS</div><div class="h5" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 17pt; margin-left: 0pt; text-align: left;">To MVB Shareholders:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;12, 2022, MVB Financial Corp. (&#8220;MVB&#8221;) and Integrated Financial Holdings, Inc. (&#8220;IFH&#8221;) entered into an Agreement and Plan of Merger and Reorganization (as may be amended, modified or supplemented from time to time in accordance with its terms, the &#8220;merger agreement&#8221;). A copy of the merger agreement is attached as <font style="font-weight: bold;">Annex&#160;A</font> to the accompanying joint proxy statement/prospectus.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">NOTICE IS HEREBY GIVEN that a special meeting of holders of MVB common stock (the &#8220;MVB special meeting&#8221;) will be held on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;], Eastern Time. We are pleased to notify you of, and invite you to, the MVB special meeting which will be held virtually via the Internet. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">At the MVB special meeting, you will be asked to vote on the following matters:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A proposal to approve the merger agreement and the transactions contemplated by the merger agreement, including the merger of IFH with and into MVB, with MVB as the surviving company, and the issuance of shares of MVB common stock as merger consideration (the &#8220;MVB merger proposal&#8221;).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A proposal to approve an amendment to MVB&#8217;s articles of incorporation to effect an increase in the number of authorized shares of MVB common stock from 20,000,000 to 40,000,000 (the &#8220;MVB articles amendment proposal&#8221;).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A proposal to adjourn the MVB special meeting, if necessary or appropriate, to solicit additional proxies if, immediately prior to such adjournment, there are not sufficient votes to approve the MVB merger proposal or the MVB articles amendment proposal, or to ensure that any supplement or amendment to the accompanying joint proxy statement/prospectus is timely provided to holders of MVB common stock (the &#8220;MVB adjournment proposal&#8221;).</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As we continue to monitor the status of the COVID-19 (coronavirus) pandemic and in order to support the health and safety of our shareholders, employees and community, the MVB special meeting will be held in a virtual-only format conducted via live webcast, which means that you will be able to participate in substantially the same manner as if you were attending the meeting in person, including the ability to submit questions and vote your shares electronically during the meeting via live webcast. If you are a holder of record, you may attend the MVB special meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and entering the 16-digit control number that is printed on your proxy card. If you are not a shareholder, you will be able to attend the meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and registering as a guest. If you enter the meeting as a guest, you will not be able to vote or submit questions during the meeting. You may log in beginning at [&#8195;&#8195;&#8195;] (Eastern Time) on [&#8195;&#8195;&#8195;], 2022. The MVB special meeting will begin promptly at [&#8195;&#8195;&#8195;] (Eastern Time). An archived copy of the webcast will also be available under the Investor Relations tab on the Company&#8217;s website at www.mvbbanking.com through [&#8195;&#8195;&#8195;], 2022.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The board of directors of MVB has fixed the close of business on [&#8195;&#8195;&#8195;], 2022 as the record date for the MVB special meeting. Only holders of record of MVB common stock as of the close of business on the record date for the MVB special meeting are entitled to notice of the MVB special meeting or any adjournment or postponement thereof. Only holders of record of MVB common stock will be entitled to vote at the MVB special meeting or any adjournment or postponement thereof.</div></div></div></div>
<!--End Page 4-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 5-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_103-notice_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">MVB has determined that holders of MVB common stock are not entitled to dissenters&#8217; rights with respect to the proposed merger under the West Virginia Business Corporation Act.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors unanimously recommends that holders of MVB common stock vote &#8220;FOR&#8221; the MVB merger proposal, &#8220;FOR&#8221; the MVB articles amendment proposal and &#8220;FOR&#8221; the MVB adjournment proposal. Your vote is important.<font style="font-weight: normal;"> We cannot complete the transactions contemplated by the </font><font style="font-weight: normal;">merger agreement unless holders of MVB common stock approve the MVB merger proposal. Assuming that a </font><font style="font-weight: normal;">quorum is present, the affirmative vote of a majority of the votes cast on the proposal is required to approve the </font><font style="font-weight: normal;">MVB merger proposal</font><font style="font-weight: normal;"> and the MVB articles amendment proposal</font><font style="font-weight: normal;">. Whether or not you plan to attend the MVB </font><font style="font-weight: normal;">special meeting, we urge you to please promptly complete, sign, date and return the accompanying proxy card in </font><font style="font-weight: normal;">the enclosed postage-paid envelope or authorize the individuals named on the accompanying proxy card to vote </font><font style="font-weight: normal;">your shares by calling the toll-free telephone number or by using the Internet as described in the instructions </font><font style="font-weight: normal;">included with the accompanying proxy card. If your shares are held in the name of a bank, broker or other </font><font style="font-weight: normal;">nominee, please follow the instructions on the voting instruction card furnished by such bank, broker or other </font><font style="font-weight: normal;">nominee.</font></div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By Order of the Board of Directors </div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><img style="height: 101px; width: 236px;" src="sig_larryfmazza.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Larry F. Mazza<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Chief Executive Officer</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">[&#8195;&#8195;&#8195;], 2022</div></div></div></div>
<!--End Page 5-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 6-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_103-notice_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; text-align: center;"><img style="height: 137px; width: 220px;" src="logo_integratedfinancial.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">8450 Falls of Neuse Rd.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Suite 202<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Raleigh, North Carolina 27615</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; text-align: center;">NOTICE OF SPECIAL MEETING OF IFH SHAREHOLDERS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">To IFH Shareholders:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;12, 2022, MVB Financial Corp. (&#8220;MVB&#8221;) and Integrated Financial Holdings, Inc. (&#8220;IFH&#8221;) entered into an Agreement and Plan of Merger and Reorganization (as may be amended, modified or supplemented from time to time in accordance with its terms, the &#8220;merger agreement&#8221;). A copy of the merger agreement is attached as <font style="font-weight: bold;">Annex&#160;A</font> to the joint proxy statement/prospectus that accompanies this meeting notice.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">NOTICE IS HEREBY GIVEN that a special meeting of the holders of IFH common stock (the &#8220;IFH special meeting&#8221;) will be held at IFH&#8217;s headquarters located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;], Eastern Time. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">At the IFH special meeting, holders of IFH common stock will be asked to vote on the following matters:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A proposal to approve the merger agreement and the transactions contemplated thereby, including the merger with MVB (the &#8220;IFH merger proposal&#8221;); and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A proposal to adjourn the IFH special meeting, if necessary or appropriate, to solicit additional proxies if, immediately prior to such adjournment, there are not sufficient votes to approve the IFH merger proposal or to ensure that any supplement or amendment to the accompanying joint proxy statement/prospectus is timely provided to holders of IFH common stock (the &#8220;IFH adjournment proposal&#8221;).</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH will transact no other business at the IFH special meeting, except for business that may properly come before the special meeting or any adjournment thereof in accordance with applicable law.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The board of directors of IFH has fixed the close of business on [&#8195;&#8195;&#8195;], 2022 as the record date for the IFH special meeting. Only holders of record of IFH common stock as of the close of business on the record date for the IFH special meeting are entitled to notice of, and to vote at, the IFH special meeting or any adjournment or postponement thereof.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has concluded that its shareholders are entitled to assert appraisal rights with respect to the IFH merger proposal. An IFH shareholder&#8217;s appraisal rights are conditioned on such holder&#8217;s strict compliance with the requirements of Article 13 of Chapter 55 of the North Carolina Business Corporation Act, (&#8220;NCBCA&#8221;). The full text of Article 13 is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">E</font> to the accompanying joint proxy statement/prospectus.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH board of directors unanimously recommends that holders of IFH common stock vote &#8220;FOR&#8221; the IFH merger proposal and &#8220;FOR&#8221; the IFH adjournment proposal.</div></div></div></div>
<!--End Page 6-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 7-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_103-notice_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Your vote is important. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">We cannot complete the transactions contemplated by the merger agreement unless the holders of both IFH voting common stock and non-voting common stock approve the IFH merger proposal. Whether or not you plan to attend the IFH special meeting, we urge you to promptly (1) complete, sign, and date the enclosed proxy card and return it in the postage-paid envelope provided for that purpose or (2) follow the instructions provided on the enclosed proxy card for voting your shares of IFH common stock electronically by internet. If your shares are held in the name of a bank, broker or other nominee, please follow the instructions on the voting instruction card furnished by such bank, broker or other nominee.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By Order of the Board of Directors </div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><img style="height: 72px; width: 187px;" src="sig_ericjbergevin.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eric J. Bergevin<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">President and Chief Executive Officer</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">[&#8195;&#8195;&#8195;], 2022</div></div></div></div>
<!--End Page 7-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 8-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_104-toc_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">TABLE OF CONTENTS </div><a name="TOC"><!--Anchor--></a><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt;">&#8203;</td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.51%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tQA">QUESTIONS AND ANSWERS<font style="padding-left: 3.97pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tQA"><font style="padding-left: 5pt;">1</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tSUMM">SUMMARY<font style="padding-left: 3.39pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tSUMM">13</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIATC">Information about the Companies <font style="padding-left: 3.99pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tIATC">13</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTMMA">The Merger and the Merger Agreement<font style="padding-left: 3.27pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTMMA">13</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMC">Merger Consideration <font style="padding-left: 2.49pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tMC">14</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTIFH">Treatment of IFH Equity Awards <font style="padding-left: 1.38pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTIFH">14</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMFIT">Material U.S. Federal Income Tax Consequences of the Merger <font style="padding-left: 1.24pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tMFIT">15</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMVBRM">MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors <font style="padding-left: 0.93pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tMVBRM">15</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOMVBF">Opinion of MVB&#8217;s Financial Advisor <font style="padding-left: 3.43pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tOMVBF">15</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRMR">IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors <font style="padding-left: 4.26pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tRMR">16</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOIFH">Opinion of IFH&#8217;s Financial Advisor <font style="padding-left: 0.1pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tOIFH">16</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIIFHD">Interests of IFH Directors and Executive Officers in the Merger<font style="padding-left: 2.78pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tIIFHD">16</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tGCCA">Governance of the Combined Company After the Merger<font style="padding-left: 4.77pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tGCCA">17</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tNAHEAD">Name and Headquarters<font style="padding-left: 1.22pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tNAHEAD">17</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tREGA">Regulatory Approvals<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tREGA">17</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tEXPTM">Expected Timing of the Merger<font style="padding-left: 0.26pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tEXPTM">17</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCCM">Conditions to Complete the Merger <font style="padding-left: 0.84pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tCCM">18</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTMA">Termination of the Merger Agreement<font style="padding-left: 3.77pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTMA">18</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTERMFE">Termination Fee <font style="padding-left: 4.67pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTERMFE">20</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tATRE">Accounting Treatment <font style="padding-left: 0.62pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tATRE">20</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTRIFH">The Rights of IFH Shareholders Will Change as a Result of the Merger <font style="padding-left: 2.06pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTRIFH">20</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tLMVB">Listing of MVB Common Stock <font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tLMVB">20</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTMVB">The MVB Special Meeting <font style="padding-left: 0.1pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTMVB">21</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTIFHS">The IFH Special Meeting<font style="padding-left: 0.1pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTIFHS">21</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tVSA">Voting and Support Agreements<font style="padding-left: 4.16pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tVSA">21</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tADRM">Appraisal or Dissenters&#8217; Rights in the Merger <font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tADRM">22</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tUMAMVB">Trading Markets and Dividends <font style="padding-left: 1.57pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tUMAMVB">22</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRISKF">Risk Factors <font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tRISKF">22</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tFLS">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS<font style="padding-left: 4.51pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tFLS">23</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tRISKFAC">RISK FACTORS<font style="padding-left: 4.32pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tRISKFAC">25</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tUPFCFI">UNAUDITED PRO FORMA CONSOLIDATED FINANCIAL INFORMATION<font style="padding-left: 1.09pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tUPFCFI">32</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tCHAUPF">COMPARATIVE HISTORICAL AND UNAUDITED PRO FORMA PER COMMON SHARE DATA<font style="padding-left: 2.99pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tCHAUPF">43</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tTMVBSM">THE MVB SPECIAL MEETING<font style="padding-left: 2.13pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tTMVBSM">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tDTPM">Date, Time and Place of the Meeting<font style="padding-left: 2.6pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tDTPM">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMBC">Matters to Be Considered<font style="padding-left: 4.54pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tMBC">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRMVBBOD">Recommendation of MVB&#8217;s Board of Directors<font style="padding-left: 4.57pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tRMVBBOD">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRDQ">Record Date and Quorum<font style="padding-left: 3.99pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tRDQ">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tBNV">Broker Non-Votes<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tBNV">44</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tVRTAFV">Vote Required; Treatment of Abstentions and Failure to Vote<font style="padding-left: 0.65pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tVRTAFV">45</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tAVSM">Attending the Virtual Special Meeting<font style="padding-left: 3.66pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tAVSM">45</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROXIES">Proxies<font style="padding-left: 4.51pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tPROXIES">46</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSHSN">Shares Held in Street Name<font style="padding-left: 0.11pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tSHSN">46</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tROP">Revocability of Proxies<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tROP">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tDPM">Delivery of Proxy Materials<font style="padding-left: 4.55pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tDPM">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tDISSR">Dissenters&#8217; Rights<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tDISSR">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSOP">Solicitation of Proxies<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tSOP">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOMCB">Other Matters to Come Before the MVB Special Meeting<font style="padding-left: 2.93pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tOMCB">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tASSIST">Assistance<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.22pt; text-align: left;"><a href="#tASSIST">47</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">i<br></div></div></div>
<!--End Page 8-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 9-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_104-toc_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt;">&#8203;</td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.51%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tMVBPROP">MVB PROPOSALS<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMVBPROP"><font style="padding-left: 5pt;">48</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROP1">PROPOSAL 1: MVB MERGER PROPOSAL<font style="padding-left: 2.13pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPROP1"><font style="padding-left: 5pt;">48</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROP2">PROPOSAL 2: MVB ARTICLES AMENDMENT PROPOSAL<font style="padding-left: 4.58pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPROP2"><font style="padding-left: 5pt;">48</font> </a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROP3">PROPOSAL 3: MVB ADJOURNMENT PROPOSAL<font style="padding-left: 4.54pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPROP3"><font style="padding-left: 5pt;">50</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tIFHSM">THE IFH SPECIAL MEETING<font style="padding-left: 3.8pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIFHSM"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tDATE">Date, Time and Place of the Meeting<font style="padding-left: 2.6pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tDATE"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMATTERS">Matters to Be Considered<font style="padding-left: 4.54pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMATTERS"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRIFHBD">Recommendation of IFH&#8217;s Board of Directors<font style="padding-left: 1.24pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tRIFHBD"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tRDQU">Record Date and Quorum<font style="padding-left: 3.99pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tRDQU"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tBNVO">Broker Non-Votes<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tBNVO"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tVRTAFVO">Vote Required; Treatment of Abstentions and Failure to Vote<font style="padding-left: 0.65pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tVRTAFVO"><font style="padding-left: 5pt;">51</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tAIFHSME">Attending the IFH Special Meeting<font style="padding-left: 0.11pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tAIFHSME"><font style="padding-left: 5pt;">52</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tVMPIPR">Voting Methods; Proxies and Incomplete Proxies<font style="padding-left: 4.19pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tVMPIPR"><font style="padding-left: 5pt;">52</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSHSNA">Shares Held in Street Name<font style="padding-left: 0.11pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSHSNA"><font style="padding-left: 5pt;">53</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tROPR">Revocability of Proxies<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tROPR"><font style="padding-left: 5pt;">53</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSSVA">Shares Subject to Voting Agreement; Shares Held by Directors and Executive Officers<font style="padding-left: 0.19pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSSVA"><font style="padding-left: 5pt;">53</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tDPMS">Delivery of Proxy Materials<font style="padding-left: 4.55pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tDPMS"><font style="padding-left: 5pt;">53</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tAPPRIGHT">Appraisal Rights<font style="padding-left: 1.19pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tAPPRIGHT"><font style="padding-left: 5pt;">54</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSOPS">Solicitation of Proxies<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSOPS"><font style="padding-left: 5pt;">54</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOMCBM">Other Matters to Come Before the IFH Special Meeting<font style="padding-left: 4.6pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tOMCBM"><font style="padding-left: 5pt;">54</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tASSIST2">Assistance<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tASSIST2"><font style="padding-left: 5pt;">54</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tIFHPROP">IFH PROPOSALS<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIFHPROP"><font style="padding-left: 5pt;">55</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROP1IFH">PROPOSAL 1: IFH MERGER PROPOSAL<font style="padding-left: 3.8pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPROP1IFH"><font style="padding-left: 5pt;">55</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPROP2IFH">PROPOSAL 2: IFH ADJOURNMENT PROPOSAL<font style="padding-left: 1.21pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPROP2IFH"><font style="padding-left: 5pt;">55</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tIATCOM">INFORMATION ABOUT THE COMPANIES<font style="padding-left: 0.83pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIATCOM"><font style="padding-left: 5pt;">56</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMVB2">MVB<font style="padding-left: 1.73pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMVB2"><font style="padding-left: 5pt;">56</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIFH2">IFH<font style="padding-left: 3.39pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIFH2"><font style="padding-left: 5pt;">56</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tSECOWN">SECURITY OWNERSHIP OF CERTAIN IFH BENEFICIAL OWNERS AND MANAGEMENT<font style="padding-left: 2.13pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSECOWN"><font style="padding-left: 5pt;">58</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;"><a href="#tINTFIN">INTEGRATED FINANCIAL HOLDINGS, INC.&#8217;S MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS<font style="padding-left: 0.32pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tINTFIN"><font style="padding-left: 5pt;">59</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tTHEMERGER">THE MERGER<font style="padding-left: 0.07pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTHEMERGER"><font style="padding-left: 5pt;">72</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTOTME">Terms of the Merger<font style="padding-left: 4.87pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTOTME"><font style="padding-left: 5pt;">72</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tBACKM">Background of the Merger<font style="padding-left: 0.84pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tBACKM"><font style="padding-left: 5pt;">72</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMVBR">MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors<font style="padding-left: 4.26pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMVBR"><font style="padding-left: 5pt;">79</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOOMVB">Opinion of MVB&#8217;s Financial Advisor<font style="padding-left: 1.76pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tOOMVB"><font style="padding-left: 5pt;">81</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIFHREA">IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors<font style="padding-left: 2.59pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIFHREA"><font style="padding-left: 5pt;">90</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tOOI2">Opinion of IFH&#8217;s Financial Advisor<font style="padding-left: 3.43pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tOOI2"><font style="padding-left: 5pt;">93</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCERUN">Certain Unaudited Prospective Financial Information<font style="padding-left: 3.46pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCERUN">100</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tINTEREST">Interests of IFH Directors and Executive Officers in the Merger<font style="padding-left: 2.78pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tINTEREST">104</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tGCCAM">Governance of the Combined Company After the Merger<font style="padding-left: 4.77pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tGCCAM">108</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tNAH">Name and Headquarters<font style="padding-left: 1.22pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tNAH">108</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tACCTREAT">Accounting Treatment<font style="padding-left: 3.95pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tACCTREAT">108</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tREGULAA">Regulatory Approvals<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tREGULAA">108</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSTOCKEL">Stock Exchange Listings<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSTOCKEL"><font style="padding-left: 0.74pt;">111</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tADRMER">Appraisal or Dissenters&#8217; Rights in the Merger<font style="padding-left: 2.73pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tADRMER"><font style="padding-left: 0.74pt;">111</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tTMAG">THE MERGER AGREEMENT<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTMAG"><font style="padding-left: 0.37pt;">115</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tEXPLARMA">Explanatory Note Regarding the Merger Agreement<font style="padding-left: 2.54pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tEXPLARMA"><font style="padding-left: 0.37pt;">115</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSTOME">Structure of the Merger<font style="padding-left: 3.06pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSTOME"><font style="padding-left: 0.37pt;">115</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMERCON">Merger Consideration<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMERCON"><font style="padding-left: 0.37pt;">115</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tFRASH">Fractional Shares<font style="padding-left: 3.97pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tFRASH"><font style="padding-left: 0.37pt;">116</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tGOVEDOC">Governing Documents<font style="padding-left: 2.86pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tGOVEDOC"><font style="padding-left: 0.37pt;">116</font></a></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">ii<br></div></div></div>
<!--End Page 9-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 10-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_104-toc_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt;">&#8203;</td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.45pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.51%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.45pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTREATIFH">Treatment of IFH Equity Awards<font style="padding-left: 4.7pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.45pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTREATIFH"><font style="padding-left: 0.37pt;">116</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCETM">Closing and Effective Time of the Merger<font style="padding-left: 2.13pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCETM"><font style="padding-left: 0.37pt;">117</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tEXCHSH">Exchange of Shares<font style="padding-left: 3.43pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tEXCHSH"><font style="padding-left: 0.37pt;">117</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tREPAW">Representations and Warranties<font style="padding-left: 1.65pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tREPAW"><font style="padding-left: 0.37pt;">118</font></a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCOVEAGRE">Covenants and Agreements<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCOVEAGRE">120</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCOCG">Combined Company Governance<font style="padding-left: 3.98pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCOCG">126</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMEETINGR">Meetings; Recommendation of IFH&#8217;s and MVB&#8217;s Boards of Directors<font style="padding-left: 3.49pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMEETINGR">126</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tAGREEN">Agreement Not to Solicit Other Offers<font style="padding-left: 1.42pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tAGREEN">127</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCCMERG">Conditions to Complete the Merger<font style="padding-left: 4.16pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCCMERG">128</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTERMAGR">Termination of the Merger Agreement<font style="padding-left: 3.77pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTERMAGR">128</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tEFFTER">Effect of Termination<font style="padding-left: 1.7pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tEFFTER">130</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTERMINFEE">Termination Fee<font style="padding-left: 3pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTERMINFEE">130</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tEXPFEE">Expenses and Fees<font style="padding-left: 2.31pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tEXPFEE">131</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tAWEMA">Amendment, Waiver and Extension of the Merger Agreement<font style="padding-left: 2.7pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tAWEMA">131</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tGOVELAW">Governing Law<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tGOVELAW">131</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tSPEPER">Specific Performance<font style="padding-left: 2.32pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSPEPER">131</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tVOTAGREE">VOTING AGREEMENTS<font style="padding-left: 1.19pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tVOTAGREE">132</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tMATERUS">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER<font style="padding-left: 3.71pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMATERUS">133</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tTAXCMG">Tax Consequences of the Merger Generally<font style="padding-left: 1.58pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tTAXCMG">134</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCIFS">Cash Instead of a Fractional Share<font style="padding-left: 2.9pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCIFS">134</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tBACKW">Backup Withholding<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tBACKW">135</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIR">Information Reporting<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIR">135</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tDOMC1">DESCRIPTION OF MVB CAPITAL STOCK IN GENERAL AND MVB COMMON STOCK<font style="padding-left: 2.63pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tDOMC1">136</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tGENERAL">General<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tGENERAL">136</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCOMMONSTOCK">Common Stock<font style="padding-left: 1.17pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCOMMONSTOCK">136</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tPRESTO">Preferred Stock<font style="padding-left: 1.2pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tPRESTO">137</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tANTITP">Anti-Takeover Provisions<font style="padding-left: 0.79pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tANTITP">137</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;"><a href="#tCTRHMVB">COMPARISON OF THE RIGHTS OF HOLDERS OF MVB COMMON STOCK AND HOLDERS OF IFH COMMON STOCK<font style="padding-left: 3.05pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tCTRHMVB">139</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tLEGALMATT">LEGAL MATTERS<font style="padding-left: 3.22pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tLEGALMATT">150</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tEXPERTS">EXPERTS<font style="padding-left: 1.77pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tEXPERTS">150</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tDFSSP">DEADLINES FOR SUBMITTING SHAREHOLDER PROPOSALS<font style="padding-left: 4.02pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tDFSSP">151</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tMVB1">MVB<font style="padding-left: 1.73pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tMVB1">151</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tIFH1">IFH<font style="padding-left: 3.39pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tIFH1">151</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tWYCMI">WHERE YOU CAN FIND MORE INFORMATION<font style="padding-left: 3.84pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tWYCMI">152</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tINDFIN">INDEX TO FINANCIAL STATEMENTS OF INTEGRATED FINANCIAL HOLDINGS, INC. <font style="padding-left: 2.09pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tINDFIN"><font style="padding-left: 1.11pt;">F-</font>1</a></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 2.2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 2.2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tSIGN">SIGNATURES<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 2.2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.51%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.72pt; text-align: left;"><a href="#tSIGN"><font style="padding-left: 0.01pt;">II</font>-5</a></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA">Annex&#160;A</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA">Agreement and Plan of Merger and Reorganization, dated as of August&#160;12, 2022, by and between MVB Financial Corp. and Integrated Financial Holdings, Inc.<font style="padding-left: 0.67pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.22pt; text-align: left;"><a href="#tANXAA">A-1</a></div></td></tr><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exhibit A &#8211; Form of Voting and Support Agreement<font style="padding-left: 4.01pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Annex&#160;A, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Exhibit A</div></td></tr><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAB">Annex B</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAB">Form of Articles of Amendment to Articles of Incorporation of MVB Financial Corp. </a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.22pt; text-align: left;"><a href="#tANXAB"><font style="padding-left: 0.55pt;">B-</font>1 </a></div></td></tr><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAC">Annex&#160;C</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAC">Opinion of Stephens Inc.<font style="padding-left: 0.03pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.22pt; text-align: left;"><a href="#tANXAC"><font style="padding-left: 0.55pt;">C</font>-1</a></div></td></tr><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAD">Annex&#160;D</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAD">Opinion of Raymond James &amp; Associates, Inc.<font style="padding-left: 0.34pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.22pt; text-align: left;"><a href="#tANXAD">D-1</a></div></td></tr><tr><td style="width: 10.26%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAE">Annex&#160;E</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 76.92%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAE">Chapter 55, Article 13 of the North Carolina Business Corporation Act<font style="padding-left: 1.76pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.22pt; text-align: left;"><a href="#tANXAE"><font style="padding-left: 1.11pt;">E</font>-1</a></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">iii<br></div></div></div>
<!--End Page 10-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 11-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tQA"><!--Anchor--></a>QUESTIONS AND ANSWERS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following are some questions that you may have about the merger and the MVB special meeting or the IFH special meeting, and brief answers to those questions. We urge you to read carefully the remainder of this joint proxy statement/prospectus because the information in this section does not provide all of the information that might be important to you with respect to the merger, the MVB special meeting or the IFH special meeting. Additional important information is also contained in the documents incorporated by reference into this joint proxy statement/prospectus. See &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 8pt; margin-left: 0pt; text-align: left;">In this joint proxy statement/prospectus, unless the context otherwise requires:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;IFH&#8221; refers to Integrated Financial Holdings, Inc., a North Carolina corporation;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;West Town Bank&#8221; refers to West Town Bank &amp; Trust, an Illinois state-chartered bank and a wholly </font><font style="font-style: italic;">owned subsidiary of IFH;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;IFH bylaws&#8221; refers to the bylaws of Integrated Financial Holdings, Inc.;</font> </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;IFH articles of incorporation&#8221; refers to the articles of incorporation of Integrated Financial Holdings, </font><font style="font-style: italic;">Inc., as amended;</font> </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;IFH common stock&#8221; refers to, collectively the voting common stock and non-voting stock of IFH, par </font><font style="font-style: italic;">value $1.00 per share;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;MVB&#8221; refers to MVB Financial Corp., a West Virginia corporation;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;MVB Bank&#8221; refers to MVB Bank, Inc., a West Virginia state chartered bank and a wholly owned </font><font style="font-style: italic;">subsidiary of MVB;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;MVB articles of incorporation&#8221; refers to the articles of incorporation of MVB, as amended;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;MVB bylaws&#8221; refers to the amended and restated bylaws of MVB, as amended;</font> </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">&#8220;MVB common stock&#8221; refers to the common stock of MVB, $1.00 par value per share;</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Why am I receiving this joint proxy statement/prospectus?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">You are receiving this joint proxy statement/prospectus because MVB and IFH entered into an Agreement and Plan of Merger and Reorganization (as may be amended, modified or supplemented from time to time in accordance with its terms, the &#8220;merger agreement&#8221;), pursuant to which IFH will merge with and into MVB (the &#8220;merger&#8221;) with MVB as the surviving entity. Following the merger, West Town Bank and MVB Bank will merge (the &#8220;bank merger,&#8221; and together with the merger, the &#8220;mergers&#8221;), with MVB Bank as the surviving bank. A copy of the merger agreement is attached as <font style="font-weight: bold;">Annex&#160;A</font> to this joint proxy statement/prospectus and is incorporated by reference herein. In this joint proxy statement/prospectus, we refer to the closing of the transactions contemplated by the merger agreement as the &#8220;closing&#8221; and the date on which the closing occurs as the &#8220;closing date.&#8221;</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 20pt; text-align: left;">In order to complete the merger, among other things:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB shareholders must approve the merger agreement and the transactions contemplated by the merger agreement, including the merger of IFH with and into MVB, with MVB as the surviving company, and the issuance of shares of MVB common stock as merger consideration (the &#8220;MVB merger proposal&#8221;); and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH shareholders must approve the merger agreement and the transactions contemplated thereby, including the merger with MVB (the &#8220;IFH merger proposal&#8221;). </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB will hold the special meeting of MVB shareholders virtually via the internet (the &#8220;MVB special meeting&#8221;) to obtain approval of the MVB merger proposal.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB shareholders will also be asked to approve a proposal to approve an amendment to the MVB&#8217;s articles of incorporation to effect an increase in the number of authorized shares of MVB common stock from 20,000,000 to 40,000,000 (such amendment, the &#8220;MVB articles amendment&#8221; and such proposal, the &#8220;MVB articles amendment proposal&#8221;). The approval of the MVB articles amendment proposal is not a condition to the closing of the merger. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">1<br></div></div></div>
<!--End Page 11-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 12-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">In addition, MVB shareholders will be asked to approve a proposal to adjourn the MVB special meeting to solicit additional proxies (i)&#160;if there are insufficient votes at the time of the MVB special meeting to approve the MVB merger proposal or the MVB articles amendment proposal or (ii)&#160;if adjournment is necessary or appropriate to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to MVB shareholders (the &#8220;MVB adjournment proposal&#8221;). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">The special meeting of IFH shareholders will be held at IFH&#8217;s headquarters, located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, on [<u>&#8195;&#8195;&#8195;</u>], 2022, at [<u>&#8195;&#8195;&#8195;</u>] Eastern time (the &#8220;IFH special meeting&#8221;) to obtain approval of the IFH merger proposal.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">IFH shareholders will also be asked to approve a proposal to adjourn the IFH special meeting to solicit additional proxies (i)&#160;if there are insufficient votes at the time of the IFH special meeting to approve the IFH merger proposal or (ii)&#160;if adjournment is necessary or appropriate to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to holders of IFH common stock (the &#8220;IFH adjournment proposal&#8221;).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">This document is also a prospectus that is being delivered to holders of IFH common stock because, pursuant to the merger agreement, MVB is offering shares of MVB common stock to holders of IFH common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">This joint proxy statement/prospectus contains important information about the merger and the other proposals being voted on at the MVB and IFH special meetings. You should read it carefully and in its entirety. The enclosed materials allow you to have your shares of common stock voted by proxy without attending your meeting. <font style="font-weight: bold;">Your vote is important and we encourage you to submit your proxy as soon as </font><font style="font-weight: bold;">possible.</font></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What will happen in the merger? </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">In the merger, MVB and IFH will merge, with MVB as the surviving entity. In the bank merger, which will occur following the merger, MVB Bank and West Town Bank will merge, with MVB Bank as the surviving bank.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Each share of IFH common stock issued and outstanding immediately prior to the effective time, except for any shares of IFH common stock owned by IFH as treasury stock or owned by IFH or MVB (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and except for shares for which appraisal rights have been exercised, will be converted into the right to receive 1.21 shares (the &#8220;exchange ratio&#8221;) of MVB common stock (the &#8220;merger consideration&#8221;). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">After completion of the merger, IFH will cease to exist. Holders of MVB common stock will continue to own their existing shares of MVB common stock. See the information provided in the section entitled <font style="font-style: italic;">&#8220;The </font><font style="font-style: italic;">Merger Agreement&#8212;Structure of the Merger&#8221; </font>beginning on page <a href="#tSTOME">115</a> and the merger agreement for more information about the merger.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">When and where will each of the special meetings take place? </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The MVB special meeting will be held virtually via the internet on [&#8195;&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;&#8195;], Eastern Time. As we continue to monitor the status of the COVID-19 (coronavirus) pandemic and, in order to support the health and safety of our shareholders, employees and community, the MVB special meeting will be held in a virtual-only format conducted via live webcast, which means that you will be able to participate in substantially the same manner as if you were attending the meeting in person, including the ability to submit questions and vote your shares electronically during the meeting via live webcast. If you are a holder of record, you may attend the MVB special meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and entering the control number that is printed on your proxy card. If you are not a shareholder, you will be able to attend the meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and registering as a guest. If you enter the meeting as a guest, you will not be able to vote or submit questions during the meeting. You may log in beginning at [&#8195;&#8195;&#8195;&#8195;] (Eastern Time) on [&#8195;&#8195;&#8195;&#8195;], 2022. The MVB special meeting will begin promptly at [&#8195;&#8195;&#8195;&#8195;] (Eastern Time). An archived copy of the webcast will also be available under the Investor Relations tab on the Company&#8217;s website at www.mvbbanking.com through [&#8195;&#8195;&#8195;&#8195;], 2022.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">2<br></div></div></div>
<!--End Page 12-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 13-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">The IFH special meeting will be held at IFH&#8217;s headquarters, located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, on [<u>&#8195;&#8195;&#8195;</u>], 2022, at [<u>&#8195;&#8195;</u>] Eastern time.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Even if you plan to attend your respective company&#8217;s special meeting, MVB and IFH recommend that you vote your shares in advance as described below so that your vote will be counted if you later decide not to or become unable to attend the applicable special meeting. </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What matters will be considered at each of the special meetings?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">At the MVB special meeting, MVB shareholders will be asked to consider and vote on the following proposals:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB Proposal 1: The MVB merger proposal; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB Proposal 2: The MVB articles amendment proposal; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB Proposal 2: The MVB adjournment proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 20pt; text-align: left;">At the IFH special meeting, IFH shareholders will be asked to consider and vote on the following proposals:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH Proposal 1: The IFH merger proposal; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH Proposal 2: The IFH adjournment proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">In order to complete the merger, among other things, MVB shareholders must approve the MVB merger proposal and IFH shareholders must approve the IFH merger proposal. None of the approvals of the MVB articles amendment proposal, the MVB adjournment proposal or the IFH adjournment proposal is a condition to the obligations of MVB or IFH to complete the merger.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What will holders of IFH common stock receive in the merger?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">In the merger, holders of IFH common stock will receive 1.21 shares of MVB common stock for each share of IFH common stock held immediately prior to the completion of the merger. MVB will not issue any fractional shares of MVB common stock in the merger. Holders of IFH common stock who would otherwise be entitled to a fractional share of MVB common stock in the merger will instead receive an amount in cash (rounded to the nearest cent) determined by multiplying the average of the daily closing-sale price per share of MVB common stock on NASDAQ, as reported by THE WALL STREET JOURNAL, for the consecutive period of five (5) full trading days ending on the day preceding the closing date by the fraction of a share (rounded to the nearest thousandth when expressed in decimal form) of MVB common stock that such shareholder would otherwise be entitled to receive.<br></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">If IFH provides notice of its intention to terminate the merger agreement as a result of certain changes in the trading price of MVB common stock relative to MVB&#8217;s historic price and the price of the NASDAQ Bank Index, MVB may elect to reinstate the merger agreement by adjusting the exchange ratio to increase the stock consideration (or MVB may make up such difference in cash).</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What will holders of MVB common stock receive in the merger?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">In the merger, holders of MVB common stock will not receive any consideration, and their shares of MVB common stock will remain outstanding and will constitute shares of MVB following the merger. Following the merger, shares of MVB common stock will continue to be traded on NASDAQ.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Will the value of the merger consideration change between the date of this joint proxy statement/prospectus and the time the merger is completed?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Yes. Although the number of shares of MVB common stock that IFH shareholders will receive is fixed, the value of the merger consideration will fluctuate between the date of this joint proxy statement/prospectus and the completion of the merger based upon the market value for MVB common stock. Any fluctuation in the market price of MVB common stock will change the value of the shares of MVB common stock that IFH shareholders will receive. </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">3<br></div></div></div>
<!--End Page 13-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 14-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">IFH is permitted to terminate the merger agreement, in certain circumstances, if the market price of MVB common stock falls below certain thresholds. See &#8220;The Merger Agreement&#8212;Termination of the Merger Agreement&#8221; beginning on page <a href="#tTERMAGR">128</a> for a more detailed discussion of the circumstances under which IFH can terminate the merger agreement. </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">How will the merger affect IFH equity awards? </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The merger agreement provides that, at the effective time, each option granted by IFH to purchase shares of IFH common stock under an IFH stock plan, whether vested or unvested, that is outstanding and unexercised immediately prior to the effective time (a &#8220;IFH Stock Option&#8221;) shall without any further action on the part of any holder thereof, be assumed by MVB and shall be converted into an option to purchase MVB common stock (a &#8220;Purchaser Stock Option&#8221;). Each such Purchaser Stock Option as so assumed and converted shall continue to have, and shall be subject to, the same terms and conditions as applied to the IFH Stock Option immediately prior to the effective time. As of the effective time, each such Purchaser Stock Option as so assumed and converted shall be an option to acquire that number of whole shares of MVB common stock (rounded down to the nearest whole share) equal to the product of (i)&#160;the number of shares of IFH common stock subject to such IFH Stock Option, multiplied by (ii) 1.21, at an exercise price per share of MVB common Stock (rounded up to the nearest whole cent) equal to the quotient obtained by dividing (A) the exercise price per share of IFH common stock subject to such IFH Stock Option by (B)&#160;1.21, provided, that the exercise price and the number of shares of MVB common stock subject to the Purchaser Stock Option shall be determined in a manner consistent with the requirements of Section 409A of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), and, in the case of IFH Stock Options that are intended to qualify as incentive stock options within the meaning of Section 422 of the Code, consistent with the requirements of Section 424(a) of the Code. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Immediately prior to the effective time (but contingent upon the closing), each award in respect of a share of IFH common stock subject to vesting, repurchase or other lapse restriction granted under an IFH stock plan that is unvested or contingent and outstanding immediately prior to the effective time (a &#8220;IFH Restricted Stock Award&#8221;) shall fully vest (with any performance-based vesting condition applicable to such IFH Restricted Stock Award deemed satisfied to the extent provided in the applicable award agreement) and shall be cancelled and converted automatically into the right to receive merger consideration in respect of each such share of IFH common stock under such IFH Restricted Stock Award, less applicable withholding taxes.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">At the effective time, each equity award other than an IFH Stock Option or an IFH Restricted Stock Award (an &#8220;Other IFH Equity Award&#8221;), whether or not then vested or free of conditions to payment, automatically and without any action on the part of the holder thereof, shall be cancelled and converted into the right to receive a number of shares of MVB common stock equal to the product of (i)&#160;the number of shares of IFH common stock subject to such Other IFH Equity Award multiplied by (ii) 1.21, with cash payable in lieu of fractional shares. </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">How does the MVB board of directors recommend that I vote at the MVB special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The MVB board of directors unanimously recommends that you vote &#8220;FOR&#8221; the MVB merger proposal, &#8220;FOR&#8221; the MVB articles amendment proposal and &#8220;FOR&#8221; the MVB adjournment proposal. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">How does the IFH board of directors recommend that I vote at the IFH special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The IFH board of directors unanimously recommends that you vote &#8220;FOR&#8221; the IFH merger proposal and &#8220;FOR&#8221; the IFH adjournment proposal. In considering the recommendations of the IFH board of directors, IFH shareholders should be aware that IFH directors and executive officers may have interests in the merger that are different from, or in addition to, the interests of IFH shareholders generally. For a more complete description of these interests, see the information provided in the section entitled &#8220;The Merger&#8212;Interests of IFH Directors and Executive Officers in the Merger&#8221; beginning on page <a href="#tINTEREST">104</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Who is entitled to vote at the MVB special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The record date for the MVB special meeting is [&#8195;&#8195;&#8195;&#8195;], 2022. All MVB shareholders who held shares at the close of business on the record date for the MVB special meeting are entitled to receive notice of, </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">4<br></div></div></div>
<!--End Page 14-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 15-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">and to vote at, the MVB special meeting. Each holder of MVB common stock is entitled to cast one (1) vote on each matter properly brought before the MVB special meeting for each share of MVB common stock that such holder owned of record as of the record date. As of [&#8195;&#8195;&#8195;&#8195;], 2022, there were [&#8195;&#8195;&#8195;&#8195;] outstanding shares of MVB common stock. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Attendance at the special meeting is not required to vote. See below and the section entitled &#8220;The MVB Special Meeting&#8212;Proxies&#8221; beginning on page <a href="#tPROXIES">46</a> for instructions on how to vote your shares of MVB common stock without attending the MVB special meeting.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Who is entitled to vote at the IFH special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The record date for the IFH special meeting is [&#8195;&#8195;&#8195;&#8195;], 2022. All IFH shareholders who held shares at the close of business on the record date for the IFH special meeting are entitled to receive notice of, and to vote at, the IFH special meeting. Each holder of IFH common stock is entitled to cast one (1) vote on each matter properly brought before the IFH special meeting for each share of IFH common stock that such holder owned of record as of the record date. The IFH voting common stock and IFH non-voting common stock will vote as separate voting groups on the proposals to be considered at the IFH special meeting. As of [&#8195;&#8195;&#8195;&#8195;], 2022, there were [&#8195;&#8195;&#8195;&#8195;] outstanding shares of IFH voting common stock and 21,740&#160;outstanding shares of IFH non-voting common stock.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Attendance at the special meeting is not required to vote. See below and the section entitled &#8220;The IFH Special Meeting&#8212;Voting Methods; Proxies and Incomplete Proxies&#8221; beginning on page <a href="#tVMPIPR">52</a> for instructions on how to vote your shares of IFH common stock without attending the IFH special meeting.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What constitutes a quorum for the MVB special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The presence at the MVB special meeting, virtually or by proxy, of holders of a majority of the outstanding shares of MVB common stock entitled to vote at the MVB special meeting will constitute a quorum for the transaction of business at the MVB special meeting. Abstentions will be included in determining the number of shares present at the meeting for the purpose of determining the presence of a quorum.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What constitutes a quorum for the IFH special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The presence at the IFH special meeting, in person or by proxy, of holders of a majority of the votes entitled to be cast by a voting group at the IFH special meeting will constitute a quorum for the transaction of business at the IFH special meeting with respect to that voting group. Abstentions will be included in determining the number of shares present at the meeting for the purpose of determining the presence of a quorum.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What vote is required for the approval of each proposal at the MVB special meeting?<font style="font-weight: normal;"> </font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB Proposal 1: MVB merger proposal. Approval of the MVB merger proposal requires the affirmative vote of a majority of the votes cast on the proposal, assuming a quorum is present. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB Proposal 2: MVB articles amendment proposal. Approval of the MVB articles amendment proposal requires the affirmative vote of the majority of the votes cast on the proposal, assuming a quorum is present. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB Proposal 3: MVB adjournment proposal. Whether or not a quorum will be present at the meeting, approval of the MVB adjournment proposal requires the affirmative vote of a majority of the shares of MVB common stock having voting power present virtually or represented by proxy at the MVB special meeting.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What vote is required for the approval of each proposal at the IFH special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">IFH merger proposal</font>. Approval of the IFH merger proposal requires (i)&#160;the affirmative vote of a majority of the outstanding shares of IFH voting common stock entitled to vote on the merger proposal, voting as a separate voting group, and (ii)&#160;the affirmative vote of a majority of the outstanding shares of IFH non-voting common stock entitled to vote on the merger proposal, voting as a separate voting group. As of the record date of the IFH special meeting, all outstanding shares of IFH non-voting common stock were held by a single shareholder affiliated with the Chairman of IFH&#8217;s board of directors.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">5<br></div></div></div>
<!--End Page 15-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 16-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">If a shareholder marks &#8220;ABSTAIN&#8221; on the holder&#8217;s proxy, fails to submit a proxy or vote in person at the IFH special meeting, or fails to instruct such shareholder&#8217;s bank or broker how to vote with respect to the IFH merger proposal, it will have the same effect as a vote &#8220;AGAINST&#8221; the IFH merger proposal.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 20pt; text-align: left;">IFH adjournment proposal<font style="font-style: normal;">. Whether or not a quorum is present at the meeting, the IFH adjournment </font><font style="font-style: normal;">proposal will be approved by each voting group, if the votes cast with respect to that voting group at the </font><font style="font-style: normal;">IFH special meeting, in person or by proxy, in favor of the adjournment proposal exceed the votes cast </font><font style="font-style: normal;">against such proposal.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">If a shareholder marks &#8220;ABSTAIN&#8221; on such holder&#8217;s proxy card, fails to submit a proxy or vote in person at the IFH special meeting or fails to instruct such shareholder&#8217;s bank or broker how to vote with respect to the IFH adjournment proposal, it will have no effect on the adjournment proposal.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What if I hold shares in both MVB and IFH?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If you hold shares of both MVB common stock and IFH common stock, you will receive separate packages of proxy materials. A vote cast as an MVB shareholder will not count as a vote cast as an IFH shareholder, and a vote cast as an IFH shareholder will not count as a vote cast as an MVB shareholder. Therefore, please submit separate proxies for your shares of MVB common stock and your shares of IFH common stock.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">How can I attend, vote and ask questions at the MVB special meeting or the IFH special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">Record Holders</font>. If you hold shares directly in your name as the holder of record of MVB or IFH common stock, you are a &#8220;record holder&#8221; and your shares may be voted at the MVB special meeting or the IFH special meeting by you, as applicable. If you choose to vote your shares virtually at the MVB special meeting via the applicable special meeting website, you will need the control number, as described below.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 20pt; text-align: left;">Beneficial Owners<font style="font-style: normal;">. If you hold shares in a brokerage or other account in &#8220;street name,&#8221; you are a </font><font style="font-style: normal;">&#8220;beneficial owner&#8221; and your shares may be voted at the MVB special meeting or the IFH special meeting, </font><font style="font-style: normal;">as applicable, by you as described below. If you choose to vote your shares virtually at the MVB special </font><font style="font-style: normal;">meeting via the special meeting website, you will need the control number, as described below.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB special meeting<font style="font-style: normal;">. If you are a record holder of MVB common stock, you will be able to attend the </font><font style="font-style: normal;">MVB special meeting online, ask questions and vote during the meeting by visiting </font><font style="font-style: normal;">[www.virtualshareholdermeeting.com/MVBF2022SM] and following the instructions. Please have your </font><font style="font-style: normal;">control number, which can be found on your proxy card previously received, to access the meeting. If you </font><font style="font-style: normal;">are a beneficial owner, you also will be able to attend the MVB special meeting online, ask questions and </font><font style="font-style: normal;">vote during the meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and following the </font><font style="font-style: normal;">instructions. Please have your control number, which can be found on the voting instructions provided by </font><font style="font-style: normal;">your bank, broker, trustee or other nominee, to access the meeting. Please review this information prior to </font><font style="font-style: normal;">the MVB special meeting to ensure you have access. If you are a beneficial owner and do not receive a </font><font style="font-style: normal;">control number, please contact your bank, broker, trustee or other nominee.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">MVB encourages its shareholders to visit the meeting website above in advance of the MVB special meeting to familiarize themselves with the online access process. The virtual MVB special meeting platform is fully supported across browsers and devices that are equipped with the most updated version of applicable software and plugins. Shareholders should verify their internet connection prior to the MVB special meeting. Technical support information is provided on the sign-in page for all shareholders beginning 15 minutes prior to the start of the meeting. If you have difficulty accessing the virtual MVB special meeting during check-in or during the meeting, please contact technical support as indicated on the MVB special meeting sign-in page. Shareholders will have substantially the same opportunities to participate in the virtual MVB special meeting as they would have at a physical, in-person meeting. Shareholders as of the record date will be able to attend, vote, examine the shareholder list, and submit questions during a portion of the meeting via the online platform.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 15pt; margin-left: 20pt; text-align: left;">IFH special meeting. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">All IFH shareholders, including shareholders of record and shareholders who hold their shares in &#8220;street name&#8221; through a bank or a broker, are invited to attend the IFH special meeting. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">6<br></div></div></div>
<!--End Page 16-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 17-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Holders of record of IFH common stock can vote in person at the IFH special meeting. If you are not a shareholder of record of IFH common stock, you must obtain a valid appointment of proxy, executed in your favor, from the record holder of your shares, such as a bank or a broker, to be able to vote in person at the IFH special meeting. If you plan to attend the IFH special meeting, you must hold your shares in your own name or have a letter from the record holder of your shares confirming your ownership. In addition, you must bring a form of personal photo identification with you in order to be admitted to the IFH special meeting. IFH reserves the right to refuse admittance to anyone without proper proof of share ownership or without proper photo identification. The use of cameras, sound recording equipment, communications devices or any similar equipment during the IFH special meeting is prohibited without IFH&#8217;s express written consent.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">If you are a shareholder of record of your IFH shares, you can vote by completing, signing, dating and mailing your proxy card in the enclosed postage-paid return envelope. Alternatively, you may vote through the Internet. Information and applicable deadlines for voting through the Internet are set forth in the enclosed proxy card for the IFH special meeting and further described below. If you hold your shares in &#8220;street name&#8221; through a bank or broker, you must direct your bank or broker how to vote in accordance with the instructions you have received from your bank or broker. As discussed above, &#8220;street name&#8221; shareholders who wish to vote in person at the IFH special meeting will need to obtain a legal proxy from the institution that is the record holder of their IFH shares.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Even if you plan to attend the MVB special meeting or the IFH special meeting, as applicable, MVB and IFH recommend that you vote your shares in advance as described below so that your vote will be counted if you later decide not to or become unable to attend the respective special meeting.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Additional information on attending the special meetings can be found under the section entitled &#8220;The MVB Special Meeting&#8212;Attending the Virtual Special Meeting&#8221; on page <a href="#tAVSM">45</a> and under the section entitled &#8220;The IFH Special Meeting&#8212;Attending the IFH Special Meeting&#8221; on page <a href="#tAIFHSME">52</a>.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">How can I vote my shares without attending my respective special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Whether you hold your shares directly as the holder of record of MVB common stock or IFH common stock or beneficially in &#8220;street name,&#8221; you may direct your vote by proxy without attending the MVB special meeting or the IFH special meeting, as applicable.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">If you are a record holder of MVB common stock or IFH common stock, you can vote your shares by proxy over the internet, by mail or, with respect to MVB shareholders, by telephone, by following the instructions provided in the enclosed proxy card. If you hold shares beneficially in &#8220;street name&#8221; as a beneficial owner of MVB common stock or IFH common stock, you should follow the voting instructions provided by your bank, broker, trustee or other nominee.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Additional information on voting procedures can be found under the section entitled &#8220;The MVB Special Meeting&#8212;Attending the Virtual Special Meeting&#8221; on page <a href="#tAVSM">45</a> and under the section entitled &#8220;The IFH Special Meeting&#8212;Voting Methods; Proxies and Incomplete Proxies&#8221; on page <a href="#tVMPIPR">52</a>.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What do I need to do now?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">After carefully reading and considering the information contained in this document, please vote as soon as possible. If you hold shares of MVB common stock or IFH common stock, please respond by completing, signing and dating the accompanying proxy card and returning it in the enclosed postage-paid envelope, or by submitting your proxy through the internet or, in the case of MVB shareholders, by telephone, as soon as possible so that your shares may be represented at your meeting. Please note that if you are a beneficial owner with shares held in &#8220;street name,&#8221; you should follow the voting instructions provided by your bank, broker, trustee or other nominee. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">If I am a beneficial owner with my shares held in &#8220;street name&#8221; by a bank, broker, trustee or other nominee, will my bank, broker, trustee or other nominee vote my shares for me?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">No. Your bank, broker, trustee or other nominee cannot vote your shares without instructions from you. You should instruct your bank, broker, trustee or other nominee how to vote your shares in accordance with the instructions provided to you. Please check the voting instruction form used by your bank, broker, trustee or other nominee.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">7<br></div></div></div>
<!--End Page 17-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 18-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What is a &#8220;broker non-vote&#8221;?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Banks, brokers and other nominees who hold shares in street name for a beneficial owner of those shares typically have the authority to vote in their discretion on &#8220;routine&#8221; proposals when they have not received instructions from beneficial owners. However, banks, brokers and other nominees are not allowed to exercise their voting discretion with respect to the approval of matters determined to be &#8220;non-routine&#8221; without specific instructions from the beneficial owner. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">A broker non-vote occurs when a bank, broker, trustee or other nominee is not permitted to vote on a &#8220;non-routine&#8221; matter without instructions from the beneficial owner of the shares and the beneficial owner fails to provide the bank, broker, trustee or other nominee with such instructions. Broker non-votes only count toward a quorum if at least one (1) proposal is presented with respect to which the bank, broker, trustee or other nominee has discretionary authority. It is expected that all proposals to be voted on at each of the MVB special meeting and the IFH special meeting will be &#8220;non-routine&#8221; matters, and, as such, broker non-votes, if any, will not be counted as present and entitled to vote for purposes of determining a quorum at the MVB special meeting or the IFH special meeting. If your bank, broker, trustee or other nominee holds your shares of MVB common stock or IFH common stock in &#8220;street name,&#8221; such entity will vote your shares of MVB common stock or IFH common stock only if you provide instructions on how to vote by complying with the instructions provided to you by your bank, broker, trustee or other nominee with this joint proxy statement/prospectus. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">If you are a beneficial owner of MVB common stock and you do not instruct your bank, broker, trustee or other nominee on how to vote your shares of MVB common stock:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB merger proposal</font>: your bank, broker, trustee or other nominee may not vote your shares on the MVB merger proposal, which broker non-votes, if any, will not be counted as a vote cast and will not have any effect on the outcome of the MVB merger proposal, assuming a quorum is present; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB articles amendment proposal</font>: your bank, broker, trustee or other nominee may not vote your shares on the MVB articles amendment proposal, which broker non-votes, if any, will not be counted as a vote cast and will not have any effect on the outcome of the MVB merger proposal, assuming a quorum is present; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB adjournment proposal</font>: your bank, broker, trustee or other nominee may not vote your shares on the MVB adjournment proposal, which broker non-votes, if any, will have no effect on the outcome of such proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">If you are a beneficial owner of IFH common stock and you do not instruct your bank, broker, trustee or other nominee on how to vote your shares of IFH common stock:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">IFH merger proposal</font>: your bank, broker, trustee or other nominee may not vote your shares on the IFH merger proposal, which broker non-votes, if any, will have the same effect as a vote &#8220;AGAINST&#8221; such proposal;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">IFH adjournment proposal</font>: your bank, broker, trustee or other nominee may not vote your shares on the IFH adjournment proposal, which broker non-votes, if any, will have no effect on the outcome of such proposal.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What if I fail to vote or abstain?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">For purposes of the MVB special meeting, an abstention occurs when an MVB shareholder attends the MVB special meeting and does not vote or returns a proxy with an &#8220;abstain&#8221; instruction. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB merger proposal</font>: Abstentions and failures to submit a proxy or vote virtually at the MVB special meeting, or failure to instruct your bank or broker how to vote, will not be counted as a vote cast and will not have any effect on the outcome of the MVB merger proposal, assuming a quorum is present.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">8<br></div></div></div>
<!--End Page 18-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 19-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB articles amendment proposal</font>: Abstentions and failures to submit a proxy or vote virtually at the MVB special meeting, or failure to instruct your bank or broker how to vote, will not be counted as a vote cast and will not have any effect on the outcome of the MVB articles amendment proposal, assuming a quorum is present.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB adjournment proposal</font>: An abstention will have the same effect as a vote &#8220;AGAINST&#8221; the MVB adjournment proposal. If an MVB shareholder is not present at the MVB special meeting and does not respond by proxy, it will have no effect on the outcome of such proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">For purposes of the IFH special meeting, an abstention occurs when an IFH shareholder attends the IFH special meeting and does not vote or returns a proxy with an &#8220;abstain&#8221; instruction.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">IFH merger proposal</font>: An abstention will have the same effect as a vote &#8220;AGAINST&#8221; the IFH merger proposal. If an IFH shareholder is not present at the IFH special meeting and does not respond by proxy, it will also have the same effect as a vote &#8220;AGAINST&#8221; the IFH merger proposal.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">IFH adjournment proposal</font>: An abstention will have the same effect as a vote &#8220;AGAINST&#8221; the IFH adjournment proposal. If an IFH shareholder is not present at the IFH special meeting and does not respond by proxy, it will have no effect on the outcome of such proposal.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Why is my vote important?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If you do not vote, it will be more difficult for MVB or IFH to obtain the necessary quorum to hold its special meeting and to obtain the shareholder approval that each of its board of directors is recommending and seeking. Assuming that a quorum is present, the affirmative vote of a majority of the votes cast on the proposal is required to approve the MVB merger proposal. The IFH merger proposal must be approved by (i)&#160;the affirmative vote of a majority of the outstanding shares of IFH voting common stock entitled to vote on the merger proposal, voting as a separate voting group, and (ii)&#160;the affirmative vote of a majority of the outstanding shares of IFH non-voting common stock entitled to vote on the merger proposal, voting as a separate voting group. Abstentions and failures to submit a proxy or vote virtually at the MVB special meeting, or failure to instruct your bank or broker how to vote, will not be counted as votes cast and will not have any effect on the outcome of the MVB merger proposal, assuming a quorum is present. Failure to submit a proxy or vote virtually or in person, as applicable, at the IFH special meeting, or failure to instruct your bank or broker how to vote, or abstention will have the same effect as a vote &#8220;AGAINST&#8221; the IFH merger proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">The MVB board of directors and the IFH board of directors unanimously recommend that you vote &#8220;FOR&#8221; the MVB merger proposal and &#8220;FOR&#8221; the IFH merger proposal, respectively, and &#8220;FOR&#8221; the other proposals to be considered at the MVB special meeting and the IFH special meeting, respectively.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What will happen if I return my proxy card without indicating how to vote?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If you sign and return your proxy card without indicating how to vote on any particular proposal, the shares of MVB common stock represented by your proxy will be voted as recommended by the MVB board of directors with respect to such proposals, or the shares of IFH common stock represented by your proxy will be voted as recommended by the IFH board of directors with respect to such proposals, as the case may be.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Can I change my vote after I have delivered my proxy or voting instruction card?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If you directly hold shares of MVB common stock or IFH common stock in your name as a record holder, you can change your vote at any time before your proxy is voted at your meeting. You can do this by:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">submitting a written statement that you would like to revoke your proxy to the corporate secretary of MVB or IFH, as applicable;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">signing and returning a proxy card with a later date;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of MVB shareholders, attending the special meeting virtually and voting at the special meeting via the special meeting website; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of IFH shareholders, attending the IFH special meeting and voting in person at the meeting; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">voting by the internet or, in the case of MVB shareholders, by telephone at a later time.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">9<br></div></div></div>
<!--End Page 19-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 20-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">If you are a beneficial owner and your shares are held by a bank, broker, trustee or other nominee, you may change your vote by:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">contacting your bank, broker, trustee or other nominee; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of MVB shareholders, attending the special meeting virtually and voting your shares via the special meeting website if you have your control number, which can be found on the voting instructions provided by your bank, broker, trustee or other nominee. Please contact your bank, broker, trustee or other nominee for further instructions.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Will MVB be required to submit the MVB merger proposal to its shareholders even if the MVB board of directors has withdrawn, modified or qualified its recommendation?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Yes. Unless the merger agreement is terminated before the MVB special meeting, MVB is required to submit the MVB merger proposal to its shareholders even if the MVB board of directors has withdrawn, modified or qualified its recommendation in favor of the merger. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Will IFH be required to submit the IFH merger proposal to its shareholders even if the IFH board of directors has withdrawn, modified or qualified its recommendation?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Yes. Unless the merger agreement is terminated before the IFH special meeting, IFH is required to submit the IFH merger proposal to its shareholders even if the IFH board of directors has withdrawn, modified or qualified its recommendation in favor of the merger.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Are holders of MVB common stock entitled to dissenters&#8217; rights?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">No. Holders of MVB common stock are not entitled to dissenters&#8217; rights under the West Virginia Business Corporation Act (the &#8220;WVBCA&#8221;). For more information, see the section entitled &#8220;The Merger&#8212;Appraisal or Dissenters&#8217; Rights in the Merger&#8221; beginning on page <a href="#tADRMER">111</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Are holders of IFH common stock entitled to appraisal rights?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Yes. Holders of IFH common stock are entitled to appraisal rights under the North Carolina Business Corporation Act (the &#8220;NCBCA&#8221;). For more information, see the section entitled &#8220;The Merger&#8212;Appraisal or Dissenters&#8217; Rights in the Merger&#8221; beginning on page <a href="#tADRMER">111</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Are there any risks that I should consider in deciding whether to vote for the approval of the MVB merger proposal, the IFH merger proposal, or the other proposals to be considered at the MVB special meeting and the IFH special meeting, respectively?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Yes. You should read and carefully consider the risk factors set forth in the section entitled &#8220;Risk Factors&#8221; beginning on page <a href="#tRISKFAC">25</a>. You also should read and carefully consider the risk factors of MVB in the documents that are incorporated by reference into this joint proxy statement/prospectus.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What are the material U.S. federal income tax consequences of the merger to holders of IFH common stock?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The merger has been structured to qualify as a reorganization under Section 368(a) of the Code for U.S. federal income tax purposes, and it is a condition to our respective obligations to complete the merger that each of MVB and IFH receives a legal opinion to the effect that the merger will so qualify. Accordingly, holders of IFH common stock will not be required to recognize any gain or loss for U.S. federal income tax purposes on the exchange of their IFH common stock for MVB common stock in the merger, except for any gain or loss that may result from the receipt of cash instead of a fractional share of MVB common stock. You should be aware that the tax consequences to you of the merger may depend upon your own situation. In addition, you may be subject to state, local or foreign tax laws that are not discussed in this joint proxy statement/prospectus. You should therefore consult with your own tax advisor for a full understanding of the tax consequences to you of the merger. For a more complete discussion of the material U.S. federal income tax consequences of the merger, see the section entitled &#8220;Material U.S. Federal Income Tax Consequences of the Merger&#8221; beginning on page <a href="#tMATERUS">133</a>.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">10<br></div></div></div>
<!--End Page 20-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 21-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">When is the merger expected to be completed?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Neither MVB nor IFH can predict the actual date on which the merger will be completed, or if the merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. IFH must obtain the approval of IFH shareholders for the IFH merger proposal, and MVB must obtain the approval of MVB shareholders for the MVB merger proposal. MVB and IFH must also obtain necessary regulatory approvals and satisfy certain other closing conditions. MVB and IFH expect the merger to be completed promptly once MVB and IFH have obtained their respective shareholders&#8217; approvals noted above, have obtained necessary regulatory approvals, and have satisfied certain other closing conditions.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What are the conditions to complete the merger?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The obligations of MVB and IFH to complete the merger are subject to the satisfaction or waiver of certain closing conditions contained in the merger agreement, including, but not limited to, the receipt of required regulatory approvals and the expiration of all statutory waiting periods without the imposition of any materially burdensome regulatory condition, the receipt of certain tax opinions, approval by MVB shareholders of the MVB merger proposal and approval by IFH shareholders of the IFH merger proposal. For more information, see &#8220;The Merger Agreement&#8212;Conditions to Complete the Merger&#8221; beginning on page <a href="#tCCMERG">128</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What happens if the merger is not completed?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If the merger is not completed, holders of IFH common stock will not receive any consideration for their shares of IFH common stock in connection with the merger. Instead IFH will remain an independent private company, and IFH&#8217;s voting common stock will continue to be traded on OTCQX. In addition, if the merger agreement is terminated in certain circumstances, a termination fee of $3.9&#160;million will be payable by IFH. See &#8220;The Merger Agreement&#8212;Termination Fee&#8221; beginning on page <a href="#tTERMINFEE">130</a> for a more detailed discussion of the circumstances under which a termination fee will be required to be paid. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What happens if I sell my shares after the applicable record date but before my company&#8217;s special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Each of the MVB and IFH record date is earlier than the date of the MVB special meeting and the IFH special meeting, as applicable, and earlier than the date that the merger is expected to be completed. If you sell or otherwise transfer your shares of MVB common stock or IFH common stock, as applicable, after the applicable record date but before the date of the applicable special meeting, you will retain your right to vote at such special meeting (provided that such shares remain outstanding on the date of such special meeting), but, with respect to the IFH common stock, you will not have the right to receive the merger consideration to be received by IFH shareholders in connection with the merger. In order to receive the merger consideration, you must hold your shares of IFH common stock through the completion of the merger.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Should I send in my stock certificates now?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">No. Please do not send in your stock certificates with your proxy. After the merger is completed, an exchange agent designated by MVB and mutually acceptable to IFH (the &#8220;exchange agent&#8221;) will send you instructions for exchanging IFH stock certificates, if your shares are certificated, for the consideration to be received in the merger. See &#8220;The Merger Agreement&#8212;Exchange of Shares&#8221; beginning on page <a href="#tEXCHSH">117</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What should I do if I receive more than one set of voting materials for the same special meeting?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">If you are a beneficial owner and hold shares of MVB common stock or IFH common stock in &#8220;street name&#8221; and also are a record holder and hold shares directly in your name or otherwise or if you hold shares of MVB common stock or IFH common stock in more than one (1) brokerage account, you may receive more than one (1) set of voting materials relating to the same special meeting.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 20pt; text-align: left;">Record Holders<font style="font-style: normal;">: For shares held directly, please complete, sign, date and return each proxy card (or cast </font><font style="font-style: normal;">your vote by internet as provided on each proxy card) or otherwise follow the voting instructions provided </font><font style="font-style: normal;">in this joint proxy statement/prospectus in order to ensure that all of your shares of MVB common stock or </font><font style="font-style: normal;">IFH common stock are voted.</font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">11<br></div></div></div>
<!--End Page 21-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 22-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_105-qa_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Beneficial Owners<font style="font-style: normal;">: For shares held in &#8220;street name&#8221; through a bank, broker, trustee or other nominee, you </font><font style="font-style: normal;">should follow the procedures provided by your bank, broker, trustee or other nominee in order to vote your </font><font style="font-style: normal;">shares.</font></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Who can help answer my questions?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic;">MVB shareholders</font>: If you have any questions about the merger or how to submit your proxy or voting instruction card, or if you need additional copies of this document or the enclosed proxy card or voting instruction card, you should contact Lisa J. McCormick, Corporate Secretary of MVB, at (304) 363-4800 or by email to lmccormick@mvbbanking.com. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 20pt; text-align: left;">IFH shareholders<font style="font-style: normal;">: If you have any questions about the merger or how to submit your proxy or voting </font><font style="font-style: normal;">instruction card, or if you need additional copies of this document or the enclosed proxy card or voting </font><font style="font-style: normal;">instruction card, you should contact Steven E. Crouse, EVP and Chief Financial Officer of IFH at </font><font style="font-style: normal;">(919)&#160;861-8018, or by e-mail to steve@ihcinc.com.</font></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">Where can I find more information about MVB?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">You can find more information about MVB from the various sources described under &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a>.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Q:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;">What is householding and how does it affect me?</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A:<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The SEC permits companies to send a single set of proxy materials to any household at which two (2) or more shareholders reside, unless contrary instructions have been received, but only if the applicable shareholders provide advance notice and follow certain procedures. In such cases, each shareholder continues to receive a separate notice of the meeting and proxy card. Certain brokerage firms may have instituted householding for beneficial owners of MVB common stock and IFH common stock, as applicable, held through brokerage firms. If your family has multiple accounts holding MVB common stock or IFH common stock, as applicable, you may have already received a householding notification from your broker. Please contact your broker directly if you have any questions or require additional copies of this joint proxy statement/prospectus. The broker will arrange for delivery of a separate copy of this joint proxy statement/prospectus promptly upon your written or oral request. You may decide at any time to revoke your decision to household, and thereby receive multiple copies.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">12<br></div></div></div>
<!--End Page 22-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 23-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tSUMM"><!--Anchor--></a>SUMMARY</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">This summary highlights selected information in this joint proxy statement/prospectus and may not contain all of the information that is important to you. You should carefully read this entire joint proxy statement/prospectus and the other documents we refer you to for a more complete understanding of the matters being considered at the special meetings. In addition, we incorporate by reference important business and financial information about MVB and IFH into this joint proxy statement/prospectus. You may obtain the information incorporated by reference into this joint proxy statement/prospectus without charge by following the instructions in the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a> of this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tIATC"><!--Anchor--></a>Information about the Companies (pages <a href="#tIATCOM">56</a>)</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">MVB </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB Financial Corp. is a financial holding company organized as a West Virginia corporation in 2003 that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (&#8220;MVB Bank&#8221;). MVB conducts a wide range of business activities, primarily commercial and retail (&#8220;CoRe&#8221;) banking. MVB also continues to be involved in new innovative strategies to provide independent banking to corporate clients throughout the United States by leveraging recent investments in financial technology (&#8220;Fintech&#8221;) related companies, as further described in MVB&#8217;s filings with the SEC which are incorporated by reference into this joint proxy statement/prospectus. MVB considers Fintech companies as those entities that use technology to electronically move funds.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB Bank was formed on October&#160;30, 1997 and chartered under the laws of the State of West Virginia. MVB Bank commenced operations on January&#160;4, 1999. MVB Bank offers its customers a full range of products and services, including various demand deposit accounts, savings accounts, money market accounts and certificates of deposit, commercial, consumer and real estate mortgage loans and lines of credit, cashier&#8217;s checks, safe deposit rental facilities, and non-deposit investment services offered through an association with a broker-dealer.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB&#8217;s common stock is traded on NASDAQ under the symbol &#8220;MVBF.&#8221; The Company&#8217;s principal executive office is located at 301 Virginia Avenue, Fairmont, West Virginia 26554 and its telephone number is (304)&#160;363-4800. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. is a bank holding company that has elected to be treated as a financial holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;BHCA&#8221;). IFH, which was originally incorporated under the name West Town Bancorp, Inc., was formed on June&#160;23, 2015, as a North Carolina business corporation with its main office in Raleigh, North Carolina. Effective January&#160;1, 2016, IFH became the registered bank holding company of West Town Bank and is the bank&#8217;s sole shareholder. IFH specializes in small business lending solutions, which it offers through West Town Bank and Windsor Advantage, LLC (&#8220;Windsor Advantage&#8221;), a wholly owned subsidiary of IFH. West Town Bank is headquartered in North Riverside, Illinois and offers traditional community bank deposit and lending services in the greater Chicago area. Additionally, West Town Bank engages in government-guaranteed lending on a national basis and tailors deposit products for specific lines of business. Windsor Advantage is a loan service provider that offers community banks and credit unions with a comprehensive outsourced U.S. Small Business Association (&#8220;SBA&#8221;)&#160;7(a) and U.S. Department of Agriculture (&#8220;USDA&#8221;) lending platform. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s voting common stock is traded on OTCQX under the symbol &#8220;IFHI.&#8221; IFH&#8217;s principal executive office is located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, and its telephone number is (919)&#160;948-1987.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;"><a name="tTMMA"><!--Anchor--></a>The Merger and the Merger Agreement (pages <a href="#tTHEMERGER">72</a> and <a href="#tTMAG">115</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The terms and conditions of the merger are contained in the merger agreement, a copy of which is attached as <font style="font-weight: bold;">Annex&#160;A</font> to this joint proxy statement/prospectus. You are encouraged to read the merger agreement carefully and in its entirety, as it is the primary legal document that governs the merger.</div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">13<br></div></div></div>
<!--End Page 23-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 24-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Pursuant to the terms and subject to the conditions set forth in the merger agreement, at the effective time of the merger, MVB and IFH will merge, with MVB as the surviving entity. The merger agreement further provides that following the merger, the bank merger will occur in which West Town Bank and MVB Bank will merge, with MVB Bank as the surviving bank. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;"><a name="tMC"><!--Anchor--></a>Merger Consideration (page <a href="#tMERCON">115</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each share of IFH common stock issued and outstanding immediately prior to the effective time, except for certain shares owned by MVB or IFH and shares for which appraisal rights have been exercised, will be converted into the right to receive 1.21 shares of MVB common stock. IFH shareholders who would otherwise be entitled to a fraction of a share of MVB common stock in the merger will instead receive, for the fraction of a share, an amount in cash (rounded to the nearest cent) based on the average MVB daily closing-sales price for MVB common stock for the five (5) full trading days immediately prior to the closing date.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB common stock is listed on NASDAQ under the symbol &#8220;MVBF,&#8221; and IFH common stock is traded on OTCQX under the symbol &#8220;IFHI.&#8221; The following table shows the closing sale prices of MVB common stock and IFH common stock as reported on NASDAQ and OTCQX, respectively, on August&#160;11, 2022, the last trading day before the public announcement of the merger agreement, and on [&#8195;&#8195;&#8195;], 2022, the last practicable trading day before the date of this joint proxy statement/prospectus. This table also shows the implied value of the merger consideration to be issued in exchange for each share of IFH common stock, which was calculated by multiplying the closing price of MVB common stock on those dates by the exchange ratio of 1.21.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 470.39pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 71.43%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Stock</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Stock</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied Value <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">of One Share <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">of IFH <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock</div></td></tr><tr><td style="width: 71.43%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022<font style="padding-left: 0.83pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.36pt; text-align: left;">$34.54</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.36pt; text-align: left;">$26.60</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.23pt; text-align: left;">$41.79</div></td></tr><tr><td style="width: 71.43%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">[&#8195;&#8195;&#8195; ], 2022<font style="padding-left: 2.68pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.36pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.36pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.23pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If IFH provides notice of its intention to terminate the merger agreement as a result of certain changes in the trading price of MVB common stock relative to MVB&#8217;s historic price and the price of the NASDAQ Bank Index, MVB may elect to reinstate the merger agreement by adjusting the exchange ratio to increase the stock consideration (or MVB may make up such difference in cash).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For more information on the exchange ratio, see the section entitled &#8220;The Merger&#8212;Terms of the Merger&#8221; beginning on page <a href="#tTOTME">72</a> and &#8220;The Merger Agreement&#8212;Merger Consideration&#8221; beginning on page <a href="#tMERCON">115</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;"><a name="tTIFH"><!--Anchor--></a>Treatment of IFH Equity Awards (page <a href="#tTREATIFH">116</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that, at the effective time, each option granted by IFH to purchase shares of IFH common stock under an IFH stock plan, whether vested or unvested, that is outstanding and unexercised immediately prior to the effective time (a &#8220;IFH Stock Option&#8221;) shall without any further action on the part of any holder thereof, be assumed by MVB and shall be converted into an option to purchase MVB common stock (a &#8220;Purchaser Stock Option&#8221;). Each such Purchaser Stock Option as so assumed and converted shall continue to have, and shall be subject to, the same terms and conditions as applied to the IFH Stock Option immediately prior to the effective time. As of the effective time, each such Purchaser Stock Option as so assumed and converted shall be an option to acquire that number of whole shares of MVB common stock (rounded down to the nearest whole share) equal to the product of (i)&#160;the number of shares of IFH common stock subject to such IFH Stock Option, multiplied by (ii) 1.21, at an exercise price per share of MVB common Stock (rounded up to the nearest whole cent) equal to the quotient obtained by dividing (A) the exercise price per share of IFH common stock subject to such IFH Stock Option by (B) 1.21, provided, that the exercise price and the number of shares of MVB common stock subject to the Purchaser Stock Option shall be determined in a manner consistent with the requirements of Section 409A of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), and, in the case of IFH Stock Options that are intended to qualify as incentive stock options within the meaning of Section 422 of the Code, consistent with the requirements of Section 424(a) of the Code. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Immediately prior to the effective time (but contingent upon the closing), each award in respect of a share of IFH common stock subject to vesting, repurchase or other lapse restriction granted under an IFH stock plan that is unvested or contingent and outstanding immediately prior to the effective time (a &#8220;IFH Restricted Stock </div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">14<br></div></div></div>
<!--End Page 24-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 25-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Award&#8221;) shall fully vest (with any performance-based vesting condition applicable to such IFH Restricted Stock Award deemed satisfied to the extent provided in the applicable award agreement) and shall be cancelled and converted automatically into the right to receive merger consideration in respect of each such share of IFH common stock under such IFH Restricted Stock Award, less applicable withholding taxes.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the effective time, each equity award other than an IFH Stock Option or an IFH Restricted Stock Award (an &#8220;Other IFH Equity Award&#8221;), whether or not then vested or free of conditions to payment, automatically and without any action on the part of the holder thereof, shall be cancelled and converted into the right to receive a number of shares of MVB common stock equal to the product of (i)&#160;the number of shares of IFH common stock subject to such Other IFH Equity Award multiplied by (ii) 1.21, with cash payable in lieu of fractional shares. MVB shall issue such Other IFH Equity Award, net of applicable tax withholdings, which shall be accomplished through the withholding of shares of MVB common stock with a value equal to the applicable tax withholding obligation, within five (5) business days following the closing date. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">For more information see &#8220;The Merger&#8212;Treatment of IFH Equity Awards&#8221; beginning on page <a href="#tTREATIFH">116</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tMFIT"><!--Anchor--></a>Material U.S. Federal Income Tax Consequences of the Merger (page <a href="#tMATERUS">133</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger has been structured to qualify as a reorganization under Section 368(a) of the Code for U.S. federal income tax purposes, and it is a condition to our respective obligations to complete the merger that each of MVB and IFH receives a legal opinion to the effect that the merger will so qualify. Accordingly, holders of IFH common stock are not expected to recognize gain or loss for U.S. federal income tax purposes on the exchange of their IFH common stock for MVB common stock in the merger, except for any gain or loss that may result from the receipt of cash instead of a fractional share of MVB common stock. You should be aware that the tax consequences to you of the merger may depend upon your own situation. In addition, you may be subject to state, local or foreign tax laws that are not discussed in this joint proxy statement/prospectus. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For more detailed information, please refer to &#8220;Material U.S. Federal Income Tax Consequences of the Merger&#8221; beginning on page <a href="#tMATERUS">133</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">The discussion of the material U.S. federal tax consequences provided herein is for general information purposes only and is not intended to be a complete discussion of all tax consequence of the merger. No discussion herein is intended to be, and may not be construed as, tax advice. We strongly urge you to consult your own tax advisors as to the applicability and effect of the rules discussed herein and the particular tax consequences of the merger under U.S. federal, state, local and non-U.S. tax laws to you.<font style="font-style: normal;"> </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tMVBRM"><!--Anchor--></a>MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors (page <a href="#tMVBR">79</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, the MVB board of directors, at a special meeting held on August&#160;11, 2022, unanimously (i)&#160;determined that the merger agreement, including the exchange ratio, are in the best interests of MVB and its shareholders and (ii)&#160;adopted and approved the execution, delivery and performance of the merger agreement and the consummation of the transactions contemplated thereby, including the merger and the issuance of shares of MVB common stock as merger consideration. Accordingly, the MVB board of directors unanimously recommends that MVB shareholders vote &#8220;FOR&#8221; the approval of the MVB merger proposal and &#8220;FOR&#8221; the other proposals presented at the MVB special meeting. For a more detailed discussion of the MVB board of directors&#8217; recommendation, see &#8220;The Merger&#8212;MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors&#8221; beginning on page <a href="#tMVBR">79</a>. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tOMVBF"><!--Anchor--></a>Opinion of MVB&#8217;s Financial Advisor (page <a href="#tOOMVB">81</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In connection with the merger, MVB&#8217;s financial advisor, Stephens Inc. (&#8220;Stephens&#8221;), delivered a written opinion, dated August&#160;11, 2022, to the MVB board of directors as to the fairness, from a financial point of view and as of the date of the opinion, to MVB of the consideration to be given by MVB in the proposed merger. The full text of the opinion, which describes the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Stephens in preparing the opinion, is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">C</font> to this document. <font style="font-weight: bold;">The opinion was for the information of, and was directed to, the MVB board of </font><font style="font-weight: bold;">directors (in its capacity as such) in connection with its consideration of the financial terms of the merger. </font><font style="font-weight: bold;">The opinion does not address the underlying business decision of MVB to engage in the merger or enter </font><font style="font-weight: bold;">into the merger agreement or constitute a recommendation to the MVB board of directors in connection </font><font style="font-weight: bold;">with the merger, and it does not constitute a recommendation to any holder of MVB common stock or any </font><font style="font-weight: bold;">shareholder of any other entity as to how to vote or act in connection with the merger or any other matter.</font></div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">15<br></div></div></div>
<!--End Page 25-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 26-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">For more information, see &#8220;The Merger&#8212;Opinion of MVB&#8217;s Financial Advisor&#8221; beginning on page <a href="#tOOMVB">81</a> and <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">C</font> to this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;"><a name="tRMR"><!--Anchor--></a>IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors (page <a href="#tIFHREA">90</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, the IFH board, at a special meeting held on August&#160;12, 2022, unanimously (i)&#160;determined that the merger agreement and the transactions contemplated thereby, including the merger, are in the best interests of IFH and its shareholders, (ii)&#160;adopted and approved the merger agreement and (iii)&#160;approved the execution, delivery and performance of the merger agreement and the consummation of the transactions contemplated thereby, including the merger. Accordingly, the IFH board unanimously recommends that the holders of IFH common stock vote &#8220;FOR&#8221; the IFH merger proposal and &#8220;FOR&#8221; the other proposals presented at the IFH special meeting. For a more detailed discussion of the IFH board of directors&#8217; recommendation, see &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors&#8221; beginning on page&#160;<a href="#tIFHREA">90</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;"><a name="tOIFH"><!--Anchor--></a>Opinion of IFH&#8217;s Financial Advisor (page <a href="#tOOI2">93</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to an engagement letter, IFH retained Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;) as its financial advisor in connection with the proposed merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the meeting of the IFH board of directors on August&#160;10, 2022, Raymond James rendered its oral opinion, subsequently confirmed in Raymond James&#8217; written opinion dated as of August&#160;10, 2022, to the IFH board of directors that, as of such date and based upon and subject to the factors and assumptions set forth in its opinion, the exchange ratio in the merger was fair, from a financial point of view, to the holders of IFH common stock. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The full text of the written opinion of Raymond James, dated as of August&#160;10, 2022, which sets forth, among other things, the assumptions made, matters considered and limits on the review undertaken, is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">D</font> to this joint proxy statement/prospectus and is incorporated herein by reference. <font style="font-weight: bold;">The summary of the </font><font style="font-weight: bold;">opinion of Raymond James set forth in this joint proxy statement/prospectus is qualified in its entirety by </font><font style="font-weight: bold;">reference to the full text of such opinion. Holders of IFH common stock are urged to read the opinion in </font><font style="font-weight: bold;">its entirety</font>. Raymond James&#8217; written opinion was addressed to the IFH board of directors (in its capacity as such) in connection with and for the purposes of its evaluation of the proposed merger, was directed only to the exchange ratio in the merger and did not address any other aspect of the merger. Raymond James expressed no opinion as to the fairness of any consideration to be paid in connection with the merger to any other holders of any class of securities, creditors or other constituencies of IFH or as to the underlying decision by IFH to engage in the proposed merger. The issuance of Raymond James&#8217; opinion was approved by a fairness committee of Raymond James. The opinion does not constitute a recommendation to any shareholder of IFH as to how such shareholder should vote with respect to the proposed merger or any other matter.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For more information, see &#8220;The Merger&#8212;Opinion of IFH&#8217;s Financial Advisor&#8221; beginning on page <a href="#tOOI2">93</a> and <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">D</font> to this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;"><a name="tIIFHD"><!--Anchor--></a>Interests of IFH Directors and Executive Officers in the Merger (page <a href="#tINTEREST">104</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In considering the recommendation of IFH&#8217;s board of directors with respect to the merger, IFH&#8217;s shareholders should be aware that the directors and executive officers of IFH have certain interests in the merger that may be different from, or in addition to, the interests of IFH&#8217;s shareholders generally. These interests include, among others, the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">benefits, including cash payments, under existing employment and change in control agreements for certain executive officers of IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">lump sum cash payments under the West Town Bank Supplemental Executive Benefit Plan for certain executive officers of IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">entry into employment agreements with Messrs. Eric Bergevin, Michael Breckheimer and A. Riddick Skinner to be effective immediately upon closing of the merger; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the accelerated vesting of restricted stock awards to executive officers and directors of IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the vesting of certain stock options held by IFH directors and executive officers in connection with a termination of service following the merger; </div></td></tr></table></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">16<br></div></div></div>
<!--End Page 26-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 27-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the right to continued indemnification and directors&#8217; and officers&#8217; liability insurance coverage; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">an agreement with the chairman of the IFH board of directors that he continue to be appointed to serve on the board of directors of Dogwood State Bank, an entity in which IFH holds a non-controlling interest. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s board of directors was aware of these interests and considered them, among other matters, in making its recommendation that IFH&#8217;s shareholders vote to approve the merger proposal. For more information, see &#8220;The Merger&#8212;Background of the Merger&#8221; beginning on page <a href="#tBACKM">72</a> and &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors&#8221; beginning on page <a href="#tIFHREA">90</a>. These interests are described in more detail below, and certain of them are quantified in the narrative and in the section entitled &#8220;The Merger&#8212;Interests of IFH Directors and Executive Officers in the Merger&#8221; beginning on page <a href="#tINTEREST">104</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tGCCA"><!--Anchor--></a>Governance of the Combined Company After the Merger (page <a href="#tGCCAM">108</a>) </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the effective time, the Board of Directors of MVB, and the committees thereof, shall remain unchanged and shall consist of the directors of MVB immediately prior to the effective time, each of whom shall serve as the directors of MVB until the next annual meeting of shareholders and until such time as their respective successors have been duly elected and qualified, or until their earlier death, resignation or removal from office. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The executive officers of MVB shall continue as executive officers of MVB immediately after the Effective Time, each of whom shall serve until their respective successors are duly appointed and qualified or their earlier death, resignation or removal. Contingent upon the closing of the merger, Mr.&#160;Eric J. Bergevin will serve as MVB&#8217;s Executive Vice President, Chief Revenue Officer, and Mr.&#160;Steven E. Crouse will serve as MVB&#8217;s Chief Financial Officer. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tNAHEAD"><!--Anchor--></a>Name and Headquarters (page <a href="#tNAH">108</a>) </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The name of the surviving corporation and surviving bank will be MVB and MVB Bank, Inc., respectively, and the headquarters of MVB and the main office of MVB Bank will be located in Fairmont, West Virginia. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tREGA"><!--Anchor--></a>Regulatory Approvals (page <a href="#tREGULAA">108</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Subject to the terms of the merger agreement, MVB and IFH have agreed to cooperate with each other and use reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings (and in the case of the applications, notices, petitions and filings in respect of the requisite regulatory approvals, to make such filings within sixty (60) days of the date of the merger agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement (including the merger and the bank merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations (collectively, approvals) of all such governmental entities. These approvals include, among others, the approval of the merger by the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve Board&#8221;) and notice of the merger to the Illinois Department of Financial and Professional Regulation (&#8220;IDFPR&#8221;) as well as approval from the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;) and the West Virginia Division of Financial Institutions (&#8220;WVDFI&#8221;) for the bank merger and notice to the IDFPR of the bank merger. The initial submission of the bank merger regulatory applications occurred on October&#160;11, 2022 and submission of the merger regulatory application occurred on October&#160;14, 2022. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH cannot be certain when or if they will be obtained, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the merger or the bank merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tEXPTM"><!--Anchor--></a>Expected Timing of the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Neither MVB nor IFH can predict the actual date on which the merger will be completed, or if the merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. IFH must first obtain the approval of IFH shareholders for the IFH merger proposal, and MVB must first obtain the approval of MVB shareholders for the MVB merger proposal. MVB and IFH must also obtain necessary regulatory approvals and satisfy certain other closing conditions. MVB and IFH expect the merger to be completed promptly once MVB and IFH have obtained their respective shareholders&#8217; approvals noted above, have obtained necessary regulatory approvals, and have satisfied the other closing conditions. </div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">17<br></div></div></div>
<!--End Page 27-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 28-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="tCCM"><!--Anchor--></a>Conditions to Complete the Merger (page <a href="#tCCMERG">128</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As more fully described in this joint proxy statement/prospectus and in the merger agreement, the completion of the merger depends on a number of conditions being satisfied or, where legally permissible, waived. These conditions include:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the requisite MVB vote and the requisite IFH vote having been obtained (see &#8220;The Merger Agreement&#8212;Meetings; Recommendation of MVB&#8217;s and IFH&#8217;s Boards of Directors&#8221; beginning on page&#160;<a href="#tMEETINGR">126</a> for additional information regarding the &#8220;requisite MVB vote&#8221; and the &#8220;requisite IFH vote&#8221;);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the authorization for listing on NASDAQ, subject to official notice of issuance, of the MVB common stock to be issued in the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">all requisite regulatory approvals having been obtained and remaining in full force and effect, and all statutory waiting periods in respect thereof having expired or been terminated, without the imposition of any materially burdensome regulatory condition (see &#8220;The Merger&#8212;Regulatory Approvals&#8221; beginning on page <a href="#tREGULAA">108</a> for additional information regarding the &#8220;requisite regulatory approvals&#8221; and the &#8220;materially burdensome regulatory condition&#8221;);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the effectiveness of the registration statement of which this joint proxy statement/prospectus is a part, and the absence of any stop order (or proceedings for such purpose initiated or threatened and not withdrawn);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">no order, injunction or decree by any court or governmental entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the merger, the bank merger or any of the other transactions contemplated by the merger agreement being in effect, and no statute, rule, regulation, order, injunction or decree having been enacted, entered, promulgated or enforced by any governmental entity which prohibits or makes illegal the consummation of the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the accuracy of the representations and warranties of the other party contained in the merger agreement as of the date on which the merger agreement was entered into and as of the date on which the merger is completed, subject to the materiality standards provided in the merger agreement (and the receipt by each party of an officers&#8217; certificate from the other party to such effect);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the performance by the other party in all material respects of all obligations, covenants and agreements required to be performed by it under the merger agreement at or prior to the date on which the merger is completed (and the receipt by each party of an officers&#8217; certificate from the other party to such effect); </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">receipt by each party of an opinion of legal counsel to the effect that on the basis of facts, representations and assumptions set forth or referred to in such opinion, the merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the continued effectiveness of certain employment agreements between MVB and employees of IFH (see &#8220;The Merger&#8212;Interests of IFH Directors and Executive Officers in the Merger&#8221; beginning on page <a href="#tINTEREST">104</a> for additional information regarding such employment agreements); </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">immediately prior to the closing, not more than ten (10%) of IFH common stock shall be held by persons who either have exercised, or are then entitled to exercise, appraisal rights under the NCBCA; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">settlement of certain litigation pending against West Town Bank (see &#8220;Information About the Companies&#8212;IFH&#8212;Legal Proceedings&#8221; beginning on page <a href="#tIFH3">57</a> for additional information regarding the &#8220;RESPA Litigation&#8221; which is to be settled prior to the closing).</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tTMA"><!--Anchor--></a>Termination of the Merger Agreement (page <a href="#tTERMAGR">128</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement can be terminated at any time prior to completion of the merger, whether before or after the receipt of the requisite IFH vote or the requisite MVB vote, in the following circumstances:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by mutual written consent of MVB and IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH if any governmental entity that must grant a requisite regulatory approval has denied approval of the merger or the transactions contemplated by the merger agreement and such </div></td></tr></table></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">18<br></div></div></div>
<!--End Page 28-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 29-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="bl" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-align: left;">denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order permanently enjoining or otherwise prohibiting or making illegal the transactions contemplated by the merger agreement, unless the failure to obtain a requisite regulatory approval is due to the failure of the party seeking to terminate the merger agreement to perform or observe its covenants and agreements under the merger agreement;</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH if the merger has not been completed on or before August&#160;1, 2023 (the &#8220;termination date&#8221;), unless the failure of the merger to be completed by such date is due to the failure of the party seeking to terminate the merger agreement to perform or observe its covenants and agreements under the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH (provided that the terminating party is not then in material breach of any representation, warranty, obligation, covenant or other agreement contained in the merger agreement) if there is a breach of any of the covenants or agreements or any of the representations or warranties (or any such representation or warranty ceases to be true) set forth in the merger agreement on the part of IFH, in the case of a termination by MVB, or on the part of MVB, in the case of a termination by IFH, which either individually or in the aggregate would constitute, if occurring or continuing on the date the merger is completed, the failure of a closing condition of the terminating party and which is not cured within forty-five (45) days following written notice to the party committing such breach, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the termination date);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by MVB, if, prior to the time the requisite IFH vote is obtained, (i)&#160;IFH or the IFH board of directors (A) submits the merger agreement to its shareholders without a recommendation for approval, or otherwise withdraws, qualifies or materially and adversely modifies (or publicly discloses its intention to withdraw, qualify or materially and adversely modify) its recommendation to approve the merger agreement, or approves or recommends to its shareholders an acquisition proposal other than the merger, (B) fails to publicly recommend against a publicly announced acquisition proposal within five (5) business days of being requested to do so by MVB or fails to publicly reconfirm the recommendation in favor of the merger within five (5) business days of being requested to do so by MVB or (C) shall have breached its obligations relating to non-solicitation of acquisition proposals or its obligations related to shareholder approval and the IFH board recommendation; or (ii)&#160;a tender offer or exchange offer for 25% or more of the outstanding shares of IFH common stock is commenced (other than by MVB), and the board of directors of IFH recommends that the shareholders of IFH tender their shares in such tender or exchange offer or otherwise fails to recommend that such shareholders reject such tender offer or exchange offer within ten (10) business days (or such fewer number of days as remains prior to the IFH special meeting) after the commencement of such tender or exchange offer; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by IFH, if prior to such time as the requisite MVB vote is obtained, MVB or the board of directors of MVB (i)&#160;submits the merger agreement to its shareholders without a recommendation for approval, or otherwise withdraws or materially and adversely modifies (or publicly discloses its intention to withdraw or materially and adversely modify) its recommendation in favor of the merger agreement, or (ii)&#160;shall have breached its obligations related to shareholder approval and the MVB board of directors&#8217; recommendation; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">(i)&#160;by MVB, or by IFH provided that IFH shall not be in material breach of any of its obligations related to shareholder approval and the IFH board of directors&#8217; recommendation, if the requisite IFH vote shall not have been obtained by reason of the failure to obtain the requisite IFH vote at the IFH special meeting or at any adjournment or postponement thereof or (ii)&#160;by IFH, or by MVB provided that MVB shall not be in material breach of any of its obligations related to shareholder approval and the MVB board of directors&#8217; recommendation, if the requisite MVB vote shall not have been obtained by reason of the failure to obtain the requisite MVB vote at the MVB special meeting or at any adjournment or postponement thereof.</div></td></tr></table></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">19<br></div></div></div>
<!--End Page 29-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 30-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">IFH also may terminate the merger agreement at any time during the five (5) day period commencing on the date on which the last regulatory approval required to permit the consummation of the transactions contemplated by the merger agreement is received (which we refer to as the &#8220;determination date&#8221;), if both following conditions are met:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;MVB market value&#8221;) is less than 82.5% of the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on August&#160;11, 2022 (which we refer to as the &#8220;starting date&#8221;), the last trading day immediately preceding the date of the first public announcement of entry into the merger agreement (which we refer to as the &#8220;initial MVB market value&#8221;); and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the number obtained by dividing the MVB market value by the initial MVB market value (which we refer to as the &#8220;purchaser ratio&#8221;) is less than the number obtained by dividing the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;final index price&#8221;) by the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the starting date and subtracting 0.175 from such quotient (which we refer to as the &#8220;index ratio&#8221;).</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If IFH elects to exercise this termination right, prompt written notice must be provided to MVB. MVB then has the option, within five business days following its receipt of such written notice, to increase the merger consideration to be received by holders of IFH common stock by, at MVB&#8217;s option, (i)&#160;increasing the exchange ratio (which we refer to as the &#8220;adjusted exchange ratio&#8221;) (calculated to the nearest one one-thousandth) to equal the lesser of (x)&#160;a number (rounded to the nearest one one-thousandth) obtained by dividing (1) the product of the initial MVB market value, 0.825 and the exchange ratio (as then in effect) by (2) the MVB market value; and (y) a number (rounded to the nearest one one-thousandth) obtained by dividing (1) the product of the index ratio and the exchange ratio (as then in effect) by (2) the purchaser ratio; or (ii)&#160;filling the difference between the adjusted exchange ratio and the exchange ratio in cash by multiplying the MVB market value by the difference in the adjusted exchange ratio and the exchange ratio (which we refer to as the &#8220;additional cash payment&#8221;). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If MVB elects to make this adjustment, MVB must provide prompt written notice to IFH, which shall contain the adjusted exchange ratio or, as applicable, the additional cash payment. Once this notice is received by IFH, the merger agreement shall continue in full force and effect.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tTERMFE"><!--Anchor--></a>Termination Fee (page <a href="#tTERMINFEE">130</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the merger agreement is terminated under certain circumstances, including circumstances involving an alternative acquisition proposal and changes in the recommendation of IFH&#8217;s board, IFH may be required to pay a termination fee to MVB equal to $3.9&#160;million.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tATRE"><!--Anchor--></a>Accounting Treatment (page <a href="#tACCTREAT">108</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger will be accounted for as an acquisition of IFH by MVB under the acquisition method of accounting in accordance with accounting principles generally accepted in the United States (&#8220;GAAP&#8221;).</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tTRIFH"><!--Anchor--></a>The Rights of IFH Shareholders Will Change as a Result of the Merger (page <a href="#tCTRHMVB">139</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The rights of IFH shareholders are governed by North Carolina law and the IFH articles of incorporation, as amended, and the IFH bylaws. In the merger, IFH shareholders will become MVB shareholders, and their rights will be governed by West Virginia law and the MVB articles of incorporation, as amended, and the MVB bylaws, as amended. IFH shareholders will have different rights once they become MVB shareholders due to differences between the IFH governing documents and North Carolina law, on the one hand, and the MVB governing documents and West Virginia law, on the other hand. These differences are described in more detail under the section entitled &#8220;Comparison of the Rights of MVB Shareholders and IFH Shareholders&#8221; beginning on page <a href="#tCTRHMVB">139</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tLMVB"><!--Anchor--></a>Listing of MVB Common Stock (page <a href="#tSTOCKEL">111</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The shares of MVB common stock to be issued in the merger will be listed for trading on NASDAQ. Following the merger, shares of MVB common stock will continue to be traded on NASDAQ. </div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">20<br></div></div></div>
<!--End Page 30-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 31-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="tTMVB"><!--Anchor--></a>The MVB Special Meeting (page <a href="#tTMVBSM">44</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB special meeting will be held virtually via the internet on [&#8195;&#8195; ], 2022 at [&#8195;&#8195; ], Eastern Time. You will be able to participate in substantially the same manner as if you were attending the meeting in person, including the ability to submit questions and vote your shares electronically during the meeting via live webcast by visiting [www.virtualshareholdermeeting.com/MVBF2022SM]. At the MVB special meeting, MVB shareholders will be asked to vote on the following matters:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB merger proposal; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB articles amendment proposal; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB adjournment proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">You may vote at the MVB special meeting if you owned shares of MVB common stock at the close of business on [&#8195;&#8195;], 2022. As of [&#8195;&#8195; ], 2022, there were [&#8195;&#8195;&#8195; ] shares of MVB common stock outstanding, of which less than [&#8195;&#8195; ] percent ([&#8195;&#8195; ]%) were owned and entitled to be voted by MVB directors and executive officers and their affiliates. We currently expect that MVB&#8217;s directors and executive officers will vote their shares in favor of the MVB merger proposal, although none of them has entered into any agreements obligating them to do so.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Assuming that a quorum is present, the affirmative vote of a majority of the votes cast on the proposal is required to approve the MVB merger proposal and the MVB articles amendment proposal. If an MVB shareholder present at the MVB special meeting abstains from voting, or responds by proxy with an &#8220;ABSTAIN&#8221;, such abstention will not counted as a vote cast and will not have any effect on the outcome of the MVB merger proposal and the MVB articles amendment proposal. If an MVB shareholder is not present at the MVB special meeting and does not respond by proxy or does not provide his, her or its bank, broker, trustee or other nominee with instructions, as applicable, such failure to vote or broker non-vote will not be counted as a vote cast and will not have any effect on the outcome of the MVB merger proposal and the MVB articles amendment proposal, assuming a quorum is present. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tTIFHS"><!--Anchor--></a>The IFH Special Meeting (page <a href="#tIFHSM">51</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH special meeting will be held at IFH&#8217;s headquarters, located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195; ], Eastern Time. At the IFH special meeting, IFH shareholders will be asked to vote on the following matters:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the IFH merger proposal; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the IFH adjournment proposal.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">You may vote at the IFH special meeting if you owned shares of IFH common stock at the close of business on [&#8195;&#8195; ], 2022. As of [&#8195;&#8195; ], 2022, there were [&#8195;&#8195;&#8195; ] shares of IFH voting common stock outstanding, of which approximately [&#8195;&#8195;] percent ([&#8195;&#8195;]%) were beneficially owned and entitled to be voted by IFH directors and executive officers and their affiliates. As of [&#8195;&#8195; ], 2022, there were 21,740 shares of IFH non-voting common stock outstanding, all of which shares were beneficially owned by an entity controlled by the Chairman of IFH&#8217;s board of directors. Each director and executive officer of IFH has entered into a voting and support agreement with MVB agreeing to, among other things, vote their shares of IFH common stock in favor of the merger agreement and the transactions contemplated thereby.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH merger proposal will be approved if (i)&#160;a majority of the outstanding shares of IFH voting common stock are voted in favor of such proposal, and (ii)&#160;a majority of the outstanding shares of IFH non-voting common stock are voted in favor of such proposal, with the IFH voting and non-voting common stock voting as separate voting groups. If an IFH shareholder present at the IFH special meeting abstains from voting, or responds by proxy with an &#8220;ABSTAIN&#8221;, it will have the same effect as a vote cast &#8220;AGAINST&#8221; such proposal. If an IFH shareholder is not present at the IFH special meeting and does not respond by proxy or does not provide his, her or its bank, broker, trustee or other nominee with instructions, as applicable and as may be required, it will have the same effect as a vote cast &#8220;AGAINST&#8221; the IFH merger proposal. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tVSA"><!--Anchor--></a>Voting and Support Agreements (page <a href="#tVOTAGREE">132</a>) </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As a condition to MVB entering into the merger agreement, each director of IFH as well as certain executive officers of IFH who have voting power over shares of IFH common stock entered into a voting and support </div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">21<br></div></div></div>
<!--End Page 31-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 32-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 492pt;"><a name="ny20005581x1_s4_106-summary_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="border-box" style="border-top: 1pt solid #000000; border-left: 1pt solid #000000; border-right: 1pt solid #000000; border-bottom: 1pt solid #000000; margin-bottom: 12pt; padding-top: 12pt; padding-bottom: 12pt; width: 492pt; margin-left: 0pt;"><div class="page-content" style="margin-left: 12pt;"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">agreement (which we refer to as the &#8220;voting agreement&#8221;) in the form attached as Exhibit A to the merger agreement, which is attached as <font style="font-weight: bold;">Annex&#160;A</font> to this joint proxy statement/prospectus. Under the voting agreement, each such person agreed, among other things, to vote the shares of IFH common stock (1) in favor of the merger agreement and in favor of each of the other actions contemplated by the merger agreement, (2) against approval of any proposal made in opposition to, or in competition with, the merger or any other transactions contemplated by the merger agreement and (3) against any action that is intended, or could reasonably be expected to, impede, interfere with, delay, postpone, discourage or adversely affect the merger or any other transactions between MVB and IFH as contemplated by the merger agreement.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tADRM"><!--Anchor--></a>Appraisal or Dissenters&#8217; Rights in the Merger (page <a href="#tADRMER">111</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders are not entitled to dissenters&#8217; rights under the WVBCA. IFH shareholders are entitled to appraisal rights under the NCBCA. For more information, see &#8220;The Merger&#8212;Appraisal or Dissenters&#8217; Rights in the Merger&#8221; beginning on page <a href="#tADRMER">111</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Trading Markets and Dividends </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB common stock is listed on NASDAQ under the symbol &#8220;MVBF.&#8221; IFH&#8217;s voting common is traded on the OTCQX Market under the symbol &#8220;IFHI&#8221;. IFH&#8217;s voting common stock has historically traded only sporadically and in limited volume.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table sets forth the closing sale prices of MVB common stock as reported on NASDAQ on August&#160;11, 2022, the last full trading day before the public announcement of the merger agreement, and on [&#8195;&#8195;&#8195;], 2022, the latest practicable trading date before the date of this joint proxy statement/prospectus.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.26%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.39%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock</div></td><td class="gutter" style="width: 2.26%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.26%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.39%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock</div></td><td class="gutter" style="width: 2.26%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.26%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 12.34%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied Value of <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">One Share of <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH Common <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Stock to be <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Converted into <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022<font style="padding-left: 4.83pt;"></font></div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.24pt; text-align: left;">$34.54</div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.24pt; text-align: left;">$26.60</div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.47pt; text-align: left;">$41.79</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">[&#8195;&#8195;&#8195; ], 2022<font style="padding-left: 1.68pt;"></font></div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.24pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.24pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.47pt; text-align: left;">$<font style="padding-left: 6.67pt;">[</font><font style="padding-left: 12.5pt;">]</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><a name="tUMAMVB"><!--Anchor--></a>Under the merger agreement, MVB and IFH shall coordinate with each other regarding declaration of any dividends in respect of MVB common stock and IFH common stock and the record dates and payment dates relating thereto so that holders of IFH common stock shall not receive two dividends, or fail to receive one dividend, in any quarter with respect to their shares of IFH common stock and any shares of MVB common stock any such holder receives in exchange therefor in the merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tRISKF"><!--Anchor--></a>Risk Factors (page <a href="#tRISKFAC">25</a>)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In evaluating the merger agreement, the merger or the issuance of shares of MVB common stock, you should carefully read this joint proxy statement/prospectus and give special consideration to the factors discussed in the section entitled &#8220;Risk Factors&#8221; beginning on page <a href="#tRISKFAC">25</a>.</div></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 12pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">22<br></div></div></div>
<!--End Page 32-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 33-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_107-fls_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tFLS"><!--Anchor--></a>CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Some of the statements contained or incorporated by reference into this joint proxy statement/prospectus are &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 (the &#8220;Securities Act&#8221;), and Section 21E of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;). Any statement that does not describe historical or current facts is a forward-looking statement, including statements with respect to IFH&#8217;s and MVB&#8217;s beliefs, goals, intentions, and expectations regarding the proposed transaction, revenues, earnings, asset quality, and capital levels, among other matters; our estimates of future costs and benefits of the actions we may take; our assessments of interest rate and other market risks; our ability to achieve our financial and other strategic goals; the expected timing of completion of the proposed transaction; the expected costs of the transaction; the expected cost savings, synergies and other anticipated benefits from the proposed transaction; and other statements that are not historical facts.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Forward-looking statements are typically identified by words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;project,&#8221; &#8220;intend,&#8221; &#8220;target,&#8221; &#8220;estimate,&#8221; &#8220;continue,&#8221; &#8220;positions,&#8221; &#8220;prospects&#8221; or &#8220;potential,&#8221; by future conditional verbs such as &#8220;will,&#8221; &#8220;would,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; or &#8220;may,&#8221; or by variations of such words or by similar expressions. Forward-looking statements are based on current expectations, estimates and projections about IFH&#8217;s and MVB&#8217;s businesses, beliefs of IFH&#8217;s and MVB&#8217;s management and assumptions made by IFH&#8217;s and MVB&#8217;s management. These statements are not guarantees of future performance and are subject to numerous risks, uncertainties and assumptions (&#8220;Future Factors&#8221;) which are difficult to predict, change over time, and many of which are beyond the control of MVB and IFH. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in such forward-looking statements.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Future Factors include, among others: </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement between MVB and IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the outcome of any legal proceedings instituted against MVB or IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that the proposed transaction will not close when expected or at all because required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis or at all, or are obtained subject to conditions that are not anticipated (and the risk that required regulatory approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the proposed transaction); </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the ability of MVB and IFH to meet expectations regarding the timing, completion and accounting and tax treatments of the proposed transaction; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the risk that any announcements relating to the proposed transaction could have adverse effects on the market price of the common stock of MVB; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that the anticipated benefits of the proposed transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two (2) companies or as a result of the strength of the economy and competitive factors in the areas where MVB and IFH do business&#894; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">certain restrictions during the pendency of the proposed transaction that may impact the parties&#8217; ability to pursue certain business opportunities or strategic transactions; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events&#894; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that subsequent federal legislative and regulatory action and reforms affecting the financial institutions industry may substantially impact the economic benefits of the proposed transaction;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">diversion of management&#8217;s attention from ongoing business operations and opportunities&#894; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that the parties may be unable to achieve expected synergies and operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate IFH&#8217;s operations and those of MVB; </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">23<br></div></div></div>
<!--End Page 33-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 34-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_107-fls_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">such integration may be more difficult, time consuming or costly than expected; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">revenues following the proposed transaction may be lower than expected; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH&#8217;s and MVB&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the dilution caused by MVB&#8217;s issuance of additional shares of its capital stock in connection with the proposed transaction; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">effects of the announcement, pendency or completion of the proposed transaction on the ability of MVB and IFH to retain customers and retain and hire key personnel and maintain relationships with their suppliers, and on their operating results and businesses generally; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">risks related to the potential impact of general economic, political and market factors on the companies or the proposed transaction and other factors that may affect future results of MVB and IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">continuing impacts and disruptions resulting from the spread of COVID-19 and its variants;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">uncertainty as to the effects of inflation on MVB, IFH and the proposed transaction; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the impact of changing interest rates on IFH and MVB. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">These are representative of the Future Factors that could affect the outcome of the forward-looking statements. In addition, such statements could be affected by general industry and market conditions and growth rates, general economic and political conditions, either nationally or in the states in which MVB, IFH, or their respective subsidiaries do business, including interest rate fluctuations, changes and trends in the securities markets, and other Future Factors.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For any forward-looking statements made in this joint proxy statement/prospectus or in any documents incorporated by reference into this joint proxy statement/prospectus, MVB and IFH claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act, and Section 21E of the Exchange Act. You are cautioned not to place undue reliance on the forward-looking statements, which speak only as of the date of this joint proxy statement/prospectus or the dates of the documents incorporated by reference in this joint proxy statement/prospectus. Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results. Except as required by applicable law, neither MVB nor IFH undertakes to update these forward-looking statements to reflect facts, circumstances, assumptions or events that occur after the date the forward-looking statements are made.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For additional information about factors that could cause actual results to differ materially from those described in the forward-looking statements, please see the reports that MVB has filed with the SEC as described under &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH expressly qualify in their entirety all forward-looking statements attributable to either of them or any person acting on their behalf by the cautionary statements contained or referred to in this joint proxy statement/prospectus.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">24<br></div></div></div>
<!--End Page 34-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 35-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tRISKFAC"><!--Anchor--></a>RISK FACTORS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition to the other information contained in or incorporated by reference into this joint proxy statement/prospectus, including the matters addressed under the caption &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; beginning on page <a href="#tFLS">23</a>, MVB shareholders should carefully consider the following risk factors in deciding whether to vote for the approval of the MVB merger proposal, and IFH shareholders should carefully consider the following risk factors in deciding whether to vote for the approval of the IFH merger proposal. You should also read and consider risk factors specific to MVB&#8217;s business that will also affect the combined company after the merger. These risks are described in the &#8220;Risk Factors&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; sections of MVB&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2021, in the &#8220;Risk Factors&#8221; and &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; sections of MVB&#8217;s Quarterly Report on Form 10-Q for the quarters ended March&#160;31, 2022, and June&#160;30, 2022, and in other documents incorporated by reference into this joint proxy statement/prospectus. Please see the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a> of this joint proxy statement/prospectus for the location of information incorporated by reference into this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tRRCMMVB"><!--Anchor--></a>Risks Relating to the Consummation of the Merger and MVB Following the Merger</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Because the market price of MVB common stock may fluctuate, IFH shareholders cannot be certain of the market value of the merger consideration they will receive.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the merger, each share of IFH common stock issued and outstanding immediately prior to the effective time (except for certain shares owned by MVB or IFH), will be converted into 1.21 shares of MVB common stock. This exchange ratio is fixed and will not be adjusted for changes in the market price of either MVB common stock or IFH common stock. Changes in the price of MVB common stock between now and the time of the merger will affect the value that IFH shareholders will receive in the merger. MVB is not permitted to terminate the merger agreement solely on the basis of any increase or decrease in the market price of MVB common stock or IFH common stock. IFH is not permitted to terminate the merger agreement as a result of any increase in the market price of IFH common stock. While IFH is permitted to terminate the merger agreement as a result of certain decreases in the market price of MVB common stock, such a right is subject to several limitations. See &#8220;The Merger Agreement&#8212;Termination of the Merger Agreement&#8221; beginning on page <a href="#tTERMAGR">128</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stock price changes may result from a variety of factors, including general market and economic conditions, changes in MVB&#8217;s and IFH&#8217;s businesses, operations and prospects, volatility in the prices of securities in global financial markets, including market prices of MVB and other banking companies, the ongoing effects of the COVID-19 pandemic and regulatory considerations and tax laws, many of which are beyond MVB&#8217;s and IFH&#8217;s control. Therefore, at the time of the MVB special meeting and the IFH special meeting, MVB shareholders and IFH shareholders will not know the market value of the consideration that IFH shareholders will receive at the effective time. You should obtain current market quotations for shares of MVB common stock (NASDAQ: MVBF) and for shares of IFH voting common stock (OTCQX: IFHI).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, the merger agreement provides that IFH may terminate the merger agreement if (i) the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;MVB market value&#8221;) is less than 82.5% of the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on August 11, 2022 (which we refer to as the &#8220;starting date&#8221;), the last trading day immediately preceding the date of the first public announcement of entry into the merger agreement (which we refer to as the &#8220;initial MVB market value&#8221;), and (ii) the number obtained by dividing the MVB market value by the initial MVB market value is less than the number obtained by dividing the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the trading day prior to the determination date by the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the starting date and subtracting 0.175 from such quotient. If IFH elects to terminate the merger agreement in that instance, MVB may elect to reinstate the merger agreement by adjusting the exchange ratio to increase the stock consideration (or MVB may make up such difference in cash). If MVB makes such election to reinstate the merger agreement, then no termination will occur and the merger agreement will remain in effect according to its terms (except the consideration, which will have been adjusted). If MVB shareholders approve the MVB merger proposal, such approval will include any MVB shareholder approval required to issue such additional shares and/or cash. Accordingly, at the time of the </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">25<br></div></div></div>
<!--End Page 35-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 36-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">MVB special meeting and the IFH special meeting, shareholders will not know or be able to definitively calculate the market price of MVB common stock that will be issued to IFH shareholders upon completion of the merger.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The market price of MVB common stock after the merger may be affected by factors different from those currently affecting the shares of MVB common stock or IFH common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the merger, IFH shareholders will become MVB shareholders. MVB&#8217;s business differs from that of IFH and certain adjustments may be made to MVB&#8217;s business as a result of this merger. Accordingly, the results of operations of the combined company and the market price of MVB common stock after the completion of the merger may be affected by factors different from those currently affecting the independent results of operations of each of MVB and IFH. For a discussion of the business of MVB and of certain factors to consider in connection with its businesses, see the documents incorporated by reference in this joint proxy statement/prospectus and referred to under &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a>. </div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The opinion delivered by Stephens to MVB&#8217;s board of directors and the opinion delivered by Raymond James to IFH&#8217;s board of directors, respectively, prior to the entry into the merger agreement will not reflect changes in circumstances that may have occurred since the dates of the opinions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The opinion from Stephens, MVB&#8217;s financial advisor, to MVB&#8217;s board of directors, was delivered on and dated August&#160;11, 2022, and the opinion from Raymond James, IFH&#8217;s financial advisor, to IFH&#8217;s board of directors was delivered on and dated August&#160;10, 2022. Changes in the operations and prospects of MVB or IFH, general market and economic conditions and other factors which may be beyond the control of MVB and IFH, including the ongoing effects of the COVID-19 pandemic on such market and economic conditions, and the market prices of MVB and IFH, may have altered the value of MVB or IFH or the prices of shares of MVB common stock and shares of IFH common stock as of the date of this joint proxy statement/prospectus, or may alter such values and prices by the time the merger is completed. The opinions do not speak as of the date of this joint proxy statement/prospectus or as of any other date subsequent to the dates of those opinions.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">MVB and IFH are expected to incur substantial costs related to the merger and integration.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH have incurred and expect to incur a number of non-recurring costs associated with the merger. These costs include legal, financial advisory, accounting, consulting and other advisory fees, severance/employee benefit-related costs, public company filing fees and other regulatory fees, financial printing and other printing costs and other related costs. Some of these costs are payable by either MVB or IFH regardless of whether or not the merger is completed. See &#8220;The Merger Agreement&#8212;Expenses and Fees&#8221; beginning on page <a href="#tEXPFEE">131</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH have incurred and expect to incur significant, non-recurring costs in connection with negotiating the merger agreement and closing the merger. In addition, the combined company will incur integration costs following the completion of the merger as MVB and IFH integrate their businesses, including facilities and systems consolidation costs and employment-related costs. MVB and IFH may also incur additional costs to maintain employee morale and to retain key employees. There are a large number of processes, policies, procedures, operations, technologies and systems that may need to be integrated, including purchasing, accounting and finance, payroll, compliance, treasury management, branch operations, vendor management, risk management, lines of business, pricing and benefits. While MVB and IFH have assumed that a certain level of costs will be incurred, there are many factors beyond their control that could affect the total amount or the timing of the integration costs. Moreover, many of the costs that will be incurred are, by their nature, difficult to estimate accurately. These integration costs may result in the combined company taking charges against earnings following the completion of the merger, and the amount and timing of such charges are uncertain at present. There can be no assurances that the expected benefits and efficiencies related to the integration of the businesses will be realized to offset these transaction and integration costs over time. </div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Combining MVB and IFH may be more difficult, costly or time-consuming than expected, and MVB and IFH may fail to realize the anticipated benefits of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The success of the merger will depend, in part, on the ability to realize the anticipated cost savings from combining the businesses of MVB and IFH. To realize the anticipated benefits and cost savings from the merger, MVB and IFH must successfully integrate and combine their businesses in a manner that permits those cost savings to be realized, without adversely affecting current revenues and future growth. If MVB and IFH are not </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">26<br></div></div></div>
<!--End Page 36-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 37-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">able to successfully achieve these objectives, the anticipated benefits of the merger may not be realized fully or at all or may take longer to realize than expected. In addition, the actual cost savings of the merger could be less than anticipated, and integration may result in additional and unforeseen expenses.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">An inability to realize the full extent of the anticipated benefits of the merger and the other transactions contemplated by the merger agreement, as well as any delays encountered in the integration process, could have an adverse effect upon the revenues, levels of expenses and operating results of the combined company following the completion of the merger, which may adversely affect the value of the common stock of the combined company following the completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH have operated and, until the completion of the merger, must continue to operate, independently. It is possible that the integration process could result in the loss of key employees, the disruption of each company&#8217;s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the companies&#8217; ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. Integration efforts between the two companies may also divert management attention and resources. These integration matters could have an adverse effect on each of MVB and IFH during this transition period and for an undetermined period after completion of the merger on the combined company.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Health epidemics and other outbreaks, such as the spread of COVID-19 and its variants, may delay or adversely affect the merger. The impact of the COVID-19 pandemic on the combined company&#8217;s business and operations following the completion of the merger is uncertain. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The ability of MVB and IFH to complete the merger could be adversely impacted by a widespread outbreak of contagious disease, such as the recent spread of COVID-19 and its variants. The spread of COVID-19 caused widespread business disruption and economic uncertainty. The continued spread of COVID-19, or the spread of other contagious diseases, may delay and adversely affect the ability of MVB and IFH to complete the merger and integrate the businesses of MVB and IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The extent to which the COVID-19 pandemic will negatively affect the business, financial condition, liquidity, capital and results of operations of the combined company following the completion of the merger will depend on future developments, which are highly uncertain and cannot be predicted, including the scope and duration of the COVID-19 pandemic, the direct and indirect impact of the COVID-19 pandemic on employees, clients, counterparties and service providers, as well as other market participants, and actions taken by governmental authorities and other third parties in response to the COVID-19 pandemic. Given the ongoing and dynamic nature of the circumstances, it is difficult to predict the impact of the COVID-19 pandemic on the combined company&#8217;s business, and there is no guarantee that efforts by the combined company to address the adverse impacts of the COVID-19 pandemic will be effective.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Even after the COVID-19 pandemic has subsided, the combined company may continue to experience adverse impacts to its business as a result of the COVID-19 pandemic&#8217;s global economic impact, including reduced availability of credit, adverse impacts on liquidity and the negative financial effects from any recession or depression that may occur.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The future results of the combined company following the merger may suffer if the combined company does not effectively manage its expanded operations.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Following the merger, the size of the business of the combined company will increase beyond the current size of either MVB&#8217;s or IFH&#8217;s business. The combined company&#8217;s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. The combined company may also face increased scrutiny from governmental authorities as a result of the increased size of its business. There can be no assurances that the combined company will be successful or that it will realize the expected operating efficiencies, revenue enhancement or other benefits currently anticipated from the merger.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The combined company may be unable to retain MVB and/or IFH personnel successfully after the merger is completed.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The success of the merger will depend in part on the combined company&#8217;s ability to retain the talents and dedication of key employees currently employed by MVB and IFH. It is possible that these employees may decide not to remain with MVB or IFH, as applicable, while the merger is pending or with the combined </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">27<br></div></div></div>
<!--End Page 37-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 38-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">company after the merger is consummated. If MVB and IFH are unable to retain key employees, including management, who are critical to the successful integration and future operations of the companies, MVB and IFH could face disruptions in their operations, loss of existing customers, loss of key information, expertise or know-how and unanticipated additional recruitment costs. In addition, following the merger, if key employees terminate their employment, the combined company&#8217;s business activities may be adversely affected, and management&#8217;s attention may be diverted from successfully hiring suitable replacements, all of which may cause the combined company&#8217;s business to suffer. MVB and IFH also may not be able to locate or retain suitable replacements for any key employees who leave either company. See &#8220;The Merger&#8212;Governance of the Combined Company After the Merger&#8221; beginning on page <a href="#tGCCAM">108</a>.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Regulatory approvals may not be received, may take longer than expected, or may impose conditions that are not presently anticipated or that could have an adverse effect on the combined company following the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Before the merger and the bank merger may be completed, various approvals, consents and non-objections must be obtained from regulatory authorities. In determining whether to grant these approvals, such regulatory authorities consider a variety of factors, including the regulatory standing of each party and the factors described under &#8220;The Merger&#8212;Regulatory Approvals&#8221; beginning on page <a href="#tGCCAM">108</a>. These approvals could be delayed or not obtained at all, including due to an adverse development in either party&#8217;s regulatory standing or in any other factors considered by regulators when granting such approvals; governmental, political or community group inquiries, investigations or opposition; or changes in legislation or the political environment generally. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The approvals that are granted may impose terms and conditions, limitations, obligations or costs, or place restrictions on the conduct of the combined company&#8217;s business or require changes to the terms of the transactions contemplated by the merger agreement. There can be no assurance that regulators will not impose any such conditions, limitations, obligations or restrictions and that such conditions, limitations, obligations or restrictions will not have the effect of delaying the completion of any of the transactions contemplated by the merger agreement, imposing additional material costs on or materially limiting the revenues of the combined company following the merger or otherwise reduce the anticipated benefits of the merger if the merger were consummated successfully within the expected timeframe. In addition, there can be no assurance that any such conditions, terms, obligations or restrictions will not result in the delay or abandonment of the merger. Additionally, the completion of the merger is conditioned on the absence of certain orders, injunctions or decrees by any court or regulatory agency of competent jurisdiction that would prohibit or make illegal the completion of any of the transactions contemplated by the merger agreement.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, despite the parties&#8217; commitments to using their reasonable best efforts to comply with conditions imposed by regulators, under the terms of the merger agreement, neither MVB nor IFH, nor any of their respective subsidiaries, is permitted (without the written consent of the other party), to take, or agree to take, any action, or commit to take any action, or agree to any condition or restriction, in connection with obtaining the required permits, consents, approvals and authorizations of governmental entities that would reasonably be expected to have a material adverse effect on the combined company and its subsidiaries, taken as a whole, after giving effect to the merger and the bank merger. See &#8220;The Merger&#8212;Regulatory Approvals&#8221; beginning on page&#160;<a href="#tREGULAA">108</a>.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated financial information included in this joint proxy statement/prospectus is preliminary and the actual consideration to be issued in the merger as well as the actual financial condition and results of operations of the combined company after the merger may differ materially.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated financial information in this joint proxy statement/prospectus is presented for illustrative purposes only and is not necessarily indicative of what the combined company&#8217;s actual financial condition or results of operations would have been had the merger been completed on the dates indicated. The unaudited pro forma consolidated financial information reflects adjustments, which are based upon preliminary estimates, to record the IFH identifiable assets acquired and liabilities assumed at fair value and the resulting goodwill recognized. The merger consideration value allocation reflected in this document is preliminary, and the final allocation thereof will be based upon the value of the actual merger consideration and the fair value of the assets and liabilities of IFH as of the date of the completion of the merger. Accordingly, the actual value of the merger consideration may vary significantly from the value used in preparing the unaudited pro forma consolidated financial information in this document. Accordingly, the final acquisition accounting adjustments may differ materially from the pro forma adjustments reflected in this document. For more information, see &#8220;Unaudited Pro Forma Consolidated Financial Statements&#8221; beginning on page <a href="#tUPFCFI">32</a>.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">28<br></div></div></div>
<!--End Page 38-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 39-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Certain of IFH&#8217;s directors and executive officers may have interests in the merger that may differ from, or are in addition to, the interests of IFH shareholders.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders and IFH shareholders should be aware that some of IFH&#8217;s directors and executive officers may have interests in the merger and have arrangements that are different from, or in addition to, those of MVB shareholders and IFH shareholders. These interests and arrangements may create potential conflicts of interest. The IFH board of directors was aware of these respective interests and considered these interests, among other matters, when making its decision to adopt the merger agreement, and in recommending that the IFH shareholders vote to approve the merger agreement. For a more complete description of these interests, please see &#8220;The Merger&#8212;Interests of IFH Directors and Executive Officers in the Merger&#8221; beginning on page <a href="#tINTEREST">104</a>.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">The merger agreement may be terminated in accordance with its terms and the merger may not be completed.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement is subject to a number of conditions which must be fulfilled in order to complete the merger. Those conditions include: (i)&#160;approval by IFH shareholders of the IFH merger proposal and the approval by MVB shareholders of the MVB merger proposal; (ii)&#160;authorization for listing on NASDAQ of the shares of MVB common stock to be issued in the merger, subject to official notice of issuance; (iii)&#160;the receipt of required regulatory approvals; (iv)&#160;effectiveness of the registration statement on Form S-4 of which this joint proxy statement/prospectus forms a part; and (v)&#160;the absence of any order, injunction, decree or other legal restraint preventing the completion of the merger or any of the other transactions contemplated by the merger agreement or making the completion of the merger or any of the other transactions contemplated by the merger agreement illegal. Each party&#8217;s obligation to complete the merger is also subject to certain additional customary conditions, including (a) subject to applicable materiality standards, the accuracy of the representations and warranties of the other party, (b) the performance in all material respects by the other party of its obligations under the merger agreement and (c) the receipt by each party of an opinion from its counsel to the effect that the merger will qualify as a reorganization within the meaning of Section 368(a) of the Code. MVB&#8217;s obligation to complete the merger is also subject to certain employment agreements remaining in effect and no more than 10% of IFH common stock being held by persons who have exercised appraisal rights. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">These conditions to the closing may not be fulfilled in a timely manner or at all, and, accordingly, the merger may not be completed. In addition, the parties can mutually decide to terminate the merger agreement at any time, before or after the requisite shareholder approvals, or MVB or IFH may elect to terminate the merger agreement in certain other circumstances. See &#8220;The Merger Agreement&#8212;Termination of the Merger Agreement&#8221; beginning on page <a href="#tTERMAGR">128</a>.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Failure to complete the merger could negatively impact MVB or IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the merger is not completed for any reason, including as a result of MVB shareholders failing to approve the MVB merger proposal or IFH shareholders failing to approve the IFH merger proposal, there may be various adverse consequences and MVB and/or IFH may experience negative reactions from the financial markets and from their respective customers and employees. For example, MVB&#8217;s or IFH&#8217;s businesses may have been impacted adversely by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any of the anticipated benefits of completing the merger. Additionally, if the merger agreement is terminated, the market price of MVB common stock or IFH common stock could decline to the extent that current market prices reflect a market assumption that the merger will be beneficial and will be completed. MVB and/or IFH also could be subject to litigation related to any failure to complete the merger or to proceedings commenced against MVB or IFH to perform their respective obligations under the merger agreement. If the merger agreement is terminated under certain circumstances, IFH may be required to pay a termination fee of $3.9&#160;million to MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Additionally, each of MVB and IFH has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated by the merger agreement, as well as the costs and expenses of preparing, filing, printing and mailing this joint proxy statement/prospectus, and all filing and other fees paid in connection with the merger. If the merger is not completed, MVB and IFH would have to pay these expenses without realizing the expected benefits of the merger.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">29<br></div></div></div>
<!--End Page 39-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 40-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">In connection with the merger, MVB will assume IFH&#8217;s outstanding indebtedness. MVB&#8217;s existing debt, together with any future incurrence of additional indebtedness could have important consequences for the combined company&#8217;s creditors and the combined company&#8217;s shareholders. For example, it could:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">limit the combined company&#8217;s ability to obtain additional financing for working capital, capital expenditures, debt service requirements, acquisitions and general corporate or other purposes&#894;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">restrict the combined company from making strategic acquisitions or cause the combined company to make non-strategic divestitures&#894;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">restrict the combined company from paying dividends to its shareholders&#894;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">increase the combined company&#8217;s vulnerability to general economic and industry conditions&#894; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">require a substantial portion of cash flow from operations to be dedicated to the payment of principal and interest on the combined company&#8217;s indebtedness, thereby reducing the combined company&#8217;s ability to use cash flows to fund its operations, capital expenditures and future business opportunities. </div></td></tr></table><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">MVB and IFH will be subject to business uncertainties and contractual restrictions while the merger is pending.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Uncertainty about the effect of the merger on employees and customers may have an adverse effect on MVB and IFH. These uncertainties may impair MVB&#8217;s or IFH&#8217;s ability to attract, retain and motivate key personnel until the merger is completed, and could cause customers and others that deal with MVB or IFH to seek to change existing business relationships with MVB or IFH. In addition, subject to certain exceptions, MVB and IFH have each agreed to operate its business in the ordinary course in all material respects and to refrain from taking certain actions that may adversely affect its ability to consummate the transactions contemplated by the merger agreement on a timely basis without the consent of the other party. These restrictions may prevent MVB and/or IFH from pursuing attractive business opportunities that may arise prior to the completion of the merger. See &#8220;The Merger Agreement&#8212;Covenants and Agreements&#8221; beginning on page <a href="#tCOVEAGRE">120</a> for a description of the restrictive covenants applicable to MVB and IFH.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The announcement of the proposed merger could disrupt MVB&#8217;s and IFH&#8217;s relationships with their customers, suppliers, business partners and others, as well as their operating results and business generally.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Whether or not the merger is ultimately consummated, as a result of uncertainty related to the proposed transaction, risks relating to the impact of the announcement of the merger on MVB&#8217;s and IFH&#8217;s business include the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">their employees may experience uncertainty about their future roles, which might adversely affect MVB&#8217;s and IFH&#8217;s ability to retain and hire key personnel and other employees;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">customers, suppliers, business partners and other parties with which MVB and IFH maintain business relationships may experience uncertainty about their future and seek alternative relationships with third parties, seek to alter their business relationships with MVB and IFH or fail to extend an existing relationship with MVB and IFH; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB and IFH have each expended and will continue to expend significant costs, fees and expenses for professional services and transaction costs in connection with the proposed merger. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If any of the aforementioned risks were to materialize, they could lead to significant costs which may impact each party&#8217;s results of operations and financial condition.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">The merger agreement limits IFH&#8217;s ability to pursue alternatives to the merger and may discourage other companies from trying to acquire IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement contains &#8220;no shop&#8221; covenants that restrict IFH&#8217;s ability to, directly or indirectly, among other things, initiate, solicit, knowingly encourage or knowingly facilitate, inquiries or proposals with respect to, or, subject to certain exceptions generally related to the exercise of fiduciary duties by IFH&#8217;s board of directors, engage in any negotiations concerning, or provide any confidential or non-public information or data relating to, any alternative acquisition proposals. These provisions, which include a $3.9&#160;million termination fee payable under certain circumstances, may discourage a potential third-party acquirer that might have an interest in </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">30<br></div></div></div>
<!--End Page 40-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 41-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_108-risk_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">acquiring all or a significant part of IFH from considering or proposing that acquisition. For more information, see &#8220;The Merger Agreement&#8212;Agreement Not to Solicit Other Offers; Termination of the Merger Agreement; Effect of Termination; Termination Fee&#8221; and &#8220;The Merger Agreement&#8212;Meetings; Recommendation of IFH&#8217;s and MVB&#8217;s Boards of Directors&#8221; beginning on pages <a href="#tAGREEN">127</a> and <a href="#tMEETINGR">126</a> respectively.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">The shares of MVB common stock to be received by IFH shareholders as a result of the merger will have different rights from the shares of IFH common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the merger, IFH shareholders will become MVB shareholders and their rights as shareholders will be governed by West Virginia law and the governing documents of the combined company following the merger. The rights associated with MVB common stock are different from the rights associated with IFH common stock. See &#8220;Comparison of the Rights of Holders of MVB Common Stock and Holders of IFH Common Stock&#8221; beginning on page <a href="#tCTRHMVB">139</a> for a discussion of the different rights associated with MVB common stock.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Holders of MVB and IFH common stock will have reduced ownership and voting interest in the combined company after the consummation of the merger and will exercise less influence over management.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders and IFH shareholders currently have the right to vote in the election of the board of directors and on other matters affecting MVB and IFH, respectively. When the merger is completed, each MVB shareholder and each IFH shareholder will become a holder of common stock of the combined company, with a percentage ownership of the combined company that is smaller than the holder&#8217;s percentage ownership of either MVB or IFH individually, as applicable, prior to the consummation of the merger. Based on the number of shares of MVB and IFH common stock outstanding as of the close of business on the respective record dates, and based on the number of shares of MVB common stock expected to be issued in the merger, the former IFH shareholders, as a group, are estimated to own approximately [&#8195;&#8195;] ([&#8195;&#8195;]%) of the fully diluted shares of the combined company immediately after the merger and current MVB shareholders as a group are estimated to own approximately [&#8195;&#8195;] ([&#8195;&#8195;]%) of the fully diluted shares of the combined company immediately after the merger. The amounts and percentages do not reflect adjustments based upon, or otherwise give effect to, any additional shares of MVB common stock that MVB may issue to prevent the termination of the merger agreement. Because of this, IFH shareholders may have less influence on the management and policies of the combined company than they now have on the management and policies of IFH, and MVB shareholders may have less influence on the management and policies of the combined company than they now have on the management and policies of MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Issuance of shares of MVB common stock in connection with the merger may adversely affect the market price of MVB common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In connection with the payment of the merger consideration, in addition to exchanging outstanding and unexercised options granted by IFH to purchase shares of IFH common stock with options to purchase MVB common stock, MVB expects to issue approximately 2.7&#160;million shares of MVB common stock to IFH shareholders. The issuance of these new shares of MVB common stock may result in fluctuations in the market price of MVB common stock, including a stock price decrease.</div><div class="frisk" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Shareholder litigation could prevent or delay the completion of the merger or otherwise negatively impact the business and operations of MVB and IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Shareholders of MVB and/or shareholders of IFH may file lawsuits against MVB, IFH and/or the directors and officers of either company in connection with the merger. One of the conditions to the closing is that no order, injunction or decree issued by any court or governmental entity of competent jurisdiction or other legal restraint preventing the consummation of the merger or any of the other transactions contemplated by the merger agreement be in effect. If any plaintiff were successful in obtaining an injunction prohibiting MVB or IFH defendants from completing the merger or any of the other transactions contemplated by the merger agreement, then such injunction may delay or prevent the effectiveness of the merger and could result in significant costs to MVB and/or IFH, including any cost associated with the indemnification of directors and officers of each company. MVB and IFH may incur costs in connection with the defense or settlement of any shareholder lawsuits filed in connection with the merger. Such litigation could have an adverse effect on the financial condition and results of operations of MVB and IFH and could prevent or delay the completion of the merger. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">31<br></div></div></div>
<!--End Page 41-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 42-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tUPFCFI"><!--Anchor--></a>UNAUDITED PRO FORMA CONSOLIDATED FINANCIAL INFORMATION</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following unaudited pro forma consolidated financial information combines the historical consolidated financial position and results of operations of MVB and IFH as an acquisition of IFH by MVB. The merger agreement was entered into on August&#160;12, 2022, and provides that each share of IFH common stock issued and outstanding immediately prior to the effective time (except for (i)&#160;shares of IFH common stock owned by IFH or MVB or a subsidiary of either (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and (ii)&#160;Appraisal Shares, as defined in the merger agreement) will be converted into the right to receive 1.21 shares of MVB common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated financial information has been prepared to give effect to the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The acquisition of IFH by MVB under the provision of the Financial Accounting Standards Board Accounting Standards Codification 805, Business Combinations, where the assets and liabilities of IFH will be recorded by MVB at their respective fair values as of the date the merger is completed; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The distribution of shares of MVB common stock to IFH&#8217;s stockholders in exchange for shares of IFH common stock (based upon a 1.21 exchange ratio);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Certain reclassifications to conform historical financial statement presentation of IFH to MVB; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Direct transaction costs in connection with the merger.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following unaudited pro forma consolidated financial information and accompanying notes are based upon and should be read in conjunction with (i)&#160;the historical audited consolidated financial statements of MVB and accompanying notes included in MVB&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2021 and the historical unaudited consolidated financial statements of MVB and accompanying notes included in MVB&#8217;s Quarterly Report on Form 10-Q for the period ended June&#160;30, 2022, each of which is incorporated by reference herein, and (ii)&#160;the historical audited consolidated financial statements of IFH and accompanying notes for the year ended December&#160;31, 2021 and the historical unaudited consolidated financial statements of IFH and accompanying notes for the period ended June&#160;30, 2022.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated income statements for the six months ended June&#160;30, 2022 and year ended December&#160;31, 2021 combine the historical consolidated income statements of MVB and IFH, giving effect to the merger as if it had been completed on January&#160;1, 2021. The accompanying unaudited pro forma consolidated balance sheet as of June&#160;30, 2022 combines the historical consolidated balance sheets of MVB and IFH, giving effect to the merger as if it had been completed on June&#160;30, 2022.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated financial information is provided for illustrative information purposes only. The unaudited pro forma consolidated financial information is not necessarily, and should not be assumed to be, an indication of the actual results that would have been achieved had the merger been completed as of the dates indicated or that may be achieved in the future. The unaudited pro forma consolidated financial information has been prepared by MVB in accordance with Regulation S-X Article 11, <font style="font-style: italic;">Pro Forma Financial Information</font>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma consolidated financial information also does not consider any potential effects of changes in market conditions on revenues, expense efficiencies, asset dispositions and share repurchases, among other factors. In addition, as explained in more detail in the accompanying notes, the preliminary allocation of the pro forma purchase price reflected in the unaudited pro forma consolidated financial information is subject to adjustment and may vary significantly from the actual purchase price allocation that will be recorded upon completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of the date of this joint proxy statement/prospectus, MVB has not completed the valuation analysis and calculations in sufficient detail necessary to arrive at the required estimates of the fair market value of IFH&#8217;s assets to be acquired or liabilities to be assumed, other than a preliminary estimate for intangible assets and certain financial assets and financial liabilities. Accordingly, apart from the aforementioned, certain IFH assets and liabilities are presented at their respective carrying amounts and should be treated as preliminary values. A final determination of the fair value of IFH&#8217;s assets and liabilities will be based on IFH&#8217;s actual assets and liabilities as of the closing date, and market factors affecting assumptions as of that date, and therefore cannot be made prior to the completion of the merger. In addition, the value of the merger consideration to be paid by MVB in shares of MVB common stock upon the completion of the merger will be determined based on the </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">32<br></div></div></div>
<!--End Page 42-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 43-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">closing price of MVB common stock on the closing date and the number of issued and outstanding shares of IFH common stock immediately prior to the closing. Actual adjustments may differ from the amounts reflected in the unaudited pro forma consolidated financial information, and such differences may be material.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Further, MVB has not identified all adjustments necessary to conform IFH&#8217;s accounting policies to MVB&#8217;s accounting policies. Upon completion of the merger, or as more information becomes available, MVB will perform a more detailed review of IFH&#8217;s accounting policies. As a result of that review, differences could be identified between the accounting policies of the two companies that, when conformed, could have a material impact on the combined company&#8217;s financial information.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As a result of the foregoing, the pro forma adjustments are preliminary and are subject to change as additional information becomes available and as additional analysis is performed. The preliminary pro forma adjustments have been made solely for the purpose of providing the unaudited pro forma consolidated financial information. MVB estimated the fair value of certain IFH assets and liabilities based on a preliminary valuation analysis, due diligence information, information presented in IFH&#8217;s financial statements and other publicly available information. Until the merger is completed, both companies are limited in their ability to share certain information.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Upon completion of the merger, a final determination of the fair value of the IFH assets acquired and liabilities assumed will be performed. Any changes in the fair values of the net assets or total purchase price as compared with the information shown in the unaudited pro forma consolidated financial information may change the amount of the total purchase price allocated to goodwill and other assets and liabilities and may impact the combined company&#8217;s statement of income. The final purchase price allocation may be materially different than the preliminary purchase price allocation presented in the unaudited pro forma consolidated financial information.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">33<br></div></div></div>
<!--End Page 43-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 44-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Unaudited Pro Forma Consolidated Balance Sheet<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">As of June&#160;30, 2022</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(see Note 2)</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.6pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">ASSETS<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents:<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash and due from banks<font style="padding-left: 4.54pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 17.5pt;">5,973</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">4,700</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;">$<font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;">$<font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.5pt;">10,673</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing balances with banks<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">155,788</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">21,981</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">177,769</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total cash and cash equivalents<font style="padding-left: 0.26pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">161,761</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">26,681</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">188,442</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Certificates of deposits with banks<font style="padding-left: 2.89pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">496</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,499</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,995</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available-for-sale<font style="padding-left: 0.89pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">376,737</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">19,038</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(334) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 3.34pt;">(a)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">395,441</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Equity securities<font style="padding-left: 1.74pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">34,250</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">17,982</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">52,232</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans held-for-sale<font style="padding-left: 0.85pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.87pt;">11,856</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">59,592</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">2,850</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(b)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">74,298</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans receivable<font style="padding-left: 0.64pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5.37pt;">2,215,114</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">266,259</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(6,327) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 3.34pt;">(c)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,475,046</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Allowance for loan losses<font style="padding-left: 3.44pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 45pt;">(22,734</font><font style="min-width: 45pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(6,361</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">6,361</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(d)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 45pt;">(22,734</font><font style="min-width: 45pt;">)</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans receivable, net<font style="padding-left: 2.6pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,192,380</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">259,898</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">34</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,452,312</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premises and equipment<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">25,272</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,238</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">5,637</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 3.34pt;">(e)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">35,147</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan servicing assets<font style="padding-left: 2.32pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,178</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(4,178)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank-owned life insurance<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">42,744</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,304</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">48,048</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Equity method investments<font style="padding-left: 3.41pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">39,787</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">39,787</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest receivable and other assets<font style="padding-left: 0.16pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">95,157</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 8.33pt;">25,492</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(</font>2,471)</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 4.45pt;">(f)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">120,908</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">2,730</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(g)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest receivable<font style="padding-left: 3.45pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,139</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(2,139)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other assets<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">13,161</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(13,161)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other intangible assets<font style="padding-left: 1.76pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">6,014</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(6,014)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Goodwill<font style="padding-left: 1.73pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">3,988</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">15,764</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">(</font><font style="border-bottom: 1pt solid #000000; min-width: 35.83pt;">12,381</font><font style="border-bottom: 1pt solid #000000; min-width: 35.83pt;"></font><font style="min-width: 35.83pt;">) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(h)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">7,371</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">TOTAL ASSETS<font style="padding-left: 4.18pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$2,984,428</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$435,488</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 20.83pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">(</font><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">3,935</font><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;"></font><font style="min-width: 35.83pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 4.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$3,415,</font><font style="border-bottom: 3pt double #000000; min-width: 45pt;">981</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.6pt; padding-bottom: 2.35pt;">&#8203;</td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LIABILITIES<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deposits:<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noninterest-bearing<font style="padding-left: 4.53pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$1,342,916</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">83,544</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;">$<font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;">$<font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$1,426,460</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing<font style="padding-left: 1.2pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,272,054</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">250,026</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">1,244</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 5pt;">(i)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,523,324</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total deposits<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,614,970</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">333,570</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">1,244</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,949,784</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest payable and other liabilities<font style="padding-left: 1.25pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">32,238</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 8.33pt;">10,247</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">9,750</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 5pt;">(j)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">62,735</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 8.33pt;">10,500</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(g)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest payable<font style="padding-left: 3.44pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">308</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(308)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other liabilities<font style="padding-left: 1.19pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">9,939</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(9,939)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Repurchase agreements<font style="padding-left: 3.99pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.87pt;">11,152</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.87pt;">11,152</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Subordinated debt<font style="padding-left: 0.63pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">73,158</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">73,158</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total liabilities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,731,518</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">343,817</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 8.33pt;">21,494</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">3,09</font>6,829</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">STOCKHOLDERS&#8217; EQUITY<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common stock<font style="padding-left: 2.84pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">13,077</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,249</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(2,249) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(k)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">15,798 </font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">2,721</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 5pt;">(l)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Additional paid-in capital<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">145,480</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">24,498</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(24,498) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(k)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">216,043</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 8.33pt;">70,563</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 5pt;">(l)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Retained earnings<font style="padding-left: 1.75pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">139,904</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">67,781</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(67,781) </font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(k)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">132,134 </font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(7,770)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(g)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accumulated other comprehensive income<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt;">(29,420)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt;">(1,985)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">1,985</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: left;"><font style="padding-left: 2.78pt;">(k)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt;">(29,420)</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Treasury stock<font style="padding-left: 4.88pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 45pt;">(16,741</font><font style="min-width: 45pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 45pt;">(16,741</font><font style="min-width: 45pt;">)</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total equity attributable to parent<font style="padding-left: 2.47pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">252,300</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">92,543</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(27,029)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 2.35pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 2.35pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">317,814</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noncontrolling interest<font style="padding-left: 0.64pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">610</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(872</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">1,600</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.45pt; text-align: justify;">(m)</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.35pt; padding-bottom: 3.6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,338</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total stockholders&#8217; equity<font style="padding-left: 4.3pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">252,910</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">91,671</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">(25,429</font><font style="min-width: 35.83pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3.6pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3.6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">319,152</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">TOTAL LIABILITIES AND STOCKHOLDERS&#8217; EQUITY<font style="padding-left: 2.68pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$2,984,428</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$435,488</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 20.83pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">(</font><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">3,935</font><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;"></font><font style="min-width: 35.83pt;">)</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$3,415,</font><font style="border-bottom: 3pt double #000000; min-width: 45pt;">981</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">34<br></div></div></div>
<!--End Page 44-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 45-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Unaudited Pro Forma Consolidated Income Statement<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six Months Ended June&#160;30, 2022</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 33.33%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except per share data)</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 12.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 12.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(see Note 2)</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">INTEREST INCOME<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest and fees on loans<font style="padding-left: 3.56pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;">$47,285</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;">$<font style="padding-left: 0.74pt;">11,114</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;">$<font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;">$<font style="padding-left: 2.96pt;">740</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(a) </div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;">$59,139</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits with banks<font style="padding-left: 1.33pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 17.5pt;">540</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 17.87pt;">113</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">653</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on investment securities<font style="padding-left: 1.89pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">1,486</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 17.87pt;">211</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,697</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Investment securities and deposits<font style="padding-left: 0.78pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 17.5pt;">324</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 14.17pt;">(324)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Interest on tax-exempt loans and securities<font style="padding-left: 0.74pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,041</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,041</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest income<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 5pt;">51,352</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 5.37pt;">11,438</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 7.96pt;">740</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">63,530</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">INTEREST EXPENSE<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">1,317</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt;">1,045</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 5pt;">(113) </font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(b)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">2,249</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on short-term borrowings<font style="padding-left: 1.34pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">14</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">24</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">38</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on subordinated debt<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,513</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,513</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest expense<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,844</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,069</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">(113</font><font style="min-width: 22.96pt;">)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">3,800</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NET INTEREST INCOME<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 5pt;">48,508</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 5pt;">10,369</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 7.96pt;">853</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">59,730</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 2.43pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">6,380</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">640</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">7,020</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Net interest income after provision for loan losses<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">42,128</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">9,729</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 7.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">853</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">52,710</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NONINTEREST INCOME<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Payment card and service charge income<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">6,657</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 17.5pt;">222</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">6,879</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Insurance and investment services income<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 17.5pt;">472</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">472</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Gain on sale of available-for-sale securities, net<font style="padding-left: 2.69pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 17.5pt;">650</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">650</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Gain on sale of equity securities, net<font style="padding-left: 1.28pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 17.5pt;">100</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">100</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Gain on sale of loans, net<font style="padding-left: 2.72pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">2,488</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 10pt;">2,812</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">5,300</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Holding gain (loss) on equity securities, net<font style="padding-left: 2.69pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 19.17pt;">(85)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 10pt;">5,994</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">5,909</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Compliance and consulting income<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">7,619</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">7,619</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Equity method investment income<font style="padding-left: 4.61pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">1,687</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,687</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Equity method investment gain.<font style="padding-left: 3.25pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt;">1,874</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,874</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Government loan servicing and processing revenue<font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt;">4,580</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">4,580</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Changes in fair value in marketable securities<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt;">5,994</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 6.67pt;">(5,994)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Mortgage revenue<font style="padding-left: 4.64pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt;">1,239</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,239</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government lending revenue<font style="padding-left: 0.21pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 10pt;">3,891</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 6.67pt;">(3,891)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">SBA documentation preparation fees<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 17.5pt;">272</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">272</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing rights<font style="padding-left: 1.86pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 17.5pt;">185</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">185</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other operating income<font style="padding-left: 1.87pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,317</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">900</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,150</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">4,367</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest income<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">23,779</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">17,061</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">293</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 22.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">41,133</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NONINTEREST EXPENSE<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Salaries and employee benefits<font style="padding-left: 1.89pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.75pt; text-align: left;"><font style="padding-left: 5pt;">36,944</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.74pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.51pt; text-align: left;"><font style="padding-left: 5pt;">13,332</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.28pt; text-align: left;"><font style="padding-left: 12.96pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">50,276</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">35<br></div></div></div>
<!--End Page 45-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 46-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 33.33%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except per share data)</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 12.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 12.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(see Note 2)</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments</div></td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy expense<font style="padding-left: 2.98pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">1,879</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">702</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,581</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Equipment depreciation and maintenance<font style="padding-left: 2.96pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,493</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">851</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">70</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(c)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">3,414</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Data processing and communications<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,071</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">700</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,771</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Marketing, contributions and sponsorships<font style="padding-left: 1.85pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 35pt;">520</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">535</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">1,055</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Professional fees<font style="padding-left: 4.65pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,350</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 22.5pt;">1,042</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">6,392</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Insurance, tax and assessment expense<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">1,150</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">230</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">1,380</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Travel, entertainment, dues and subscriptions<font style="padding-left: 0.74pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">4,321</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">224</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">4,545</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Compensation<font style="padding-left: 0.73pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 17.5pt;">13,332</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(13,332)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy and equipment<font style="padding-left: 0.2pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">598</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(598)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan related expenses<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">896</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(896)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Data processing expense<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">520</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(520)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Advertising<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">535</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(535)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Insurance expense<font style="padding-left: 4.1pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">230</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(230)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Software<font style="padding-left: 2.41pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">851</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(851)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Communications<font style="padding-left: 0.17pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">180</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(180)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed asset expense<font style="padding-left: 1.33pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">233</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(233)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Director fees<font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">351</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(351)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible amortization expense<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt;">340</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(340)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other operating expenses<font style="padding-left: 0.21pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">3,953</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">896</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">1,785</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(124</font><font style="min-width: 37.5pt;">) </font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(d)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">6,510</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest expense<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">58,681</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">20,004</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">293</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 24.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(53</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">78,925</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income before income taxes<font style="padding-left: 3pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">7,226</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 22.5pt;">6,786</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 22.5pt;">907</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">14,919</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income taxes<font style="padding-left: 4.64pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">1,764</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,895</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">236</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(e)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">3,895</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net income before noncontrolling interest<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,462</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 22.5pt;">4,891</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 22.5pt;">671</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.87pt;">11,024</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net loss attributable to noncontrolling interest<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 50pt;">358</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 45pt;">80</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 50pt;">438</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 1.3pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 50pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 50pt;">5,820</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">4,971</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 20.83pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">671</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 50pt;">$</font><font style="padding-left: 17.87pt; border-bottom: 3pt double #000000; min-width: 50pt;">11,462</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted-average shares outstanding:<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 5pt;">12,132,223</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 5pt;">2,166,953</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 5pt;">554,337</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(f)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5pt;">14,853,513</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted<font style="padding-left: 3.51pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;"><font style="padding-left: 5pt;">12,870,892</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;"><font style="padding-left: 5pt;">2,242,687</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.01pt; text-align: left;"><font style="padding-left: 5pt;">478,603</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(f)</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5pt;">15,592,182</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings per share:<br></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;">$<font style="padding-left: 27.5pt;">0.48</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.29</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">0.77</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted<font style="padding-left: 3.51pt;"></font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5pt; text-align: left;">$<font style="padding-left: 27.5pt;">0.45</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 12.82%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.49pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.22</font></div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.71%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">0.74</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">36<br></div></div></div>
<!--End Page 46-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 47-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Unaudited Pro Forma Consolidated Income Statement<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended December&#160;31, 2021</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except per share data)</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(see Note 2)</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">INTEREST INCOME<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest and fees on loans<font style="padding-left: 0.56pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;">$75,282</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;">$18,457</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;">$<font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;">$<font style="padding-left: 3.33pt;">1,851</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;"><font style="padding-left: 0.56pt;">(a) </font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;">$<font style="padding-left: 5pt;">95,590</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits with banks<font style="padding-left: 3.33pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">506</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 17.5pt;">158</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 22.5pt;">664</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on investment securities<font style="padding-left: 3.89pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">2,405</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 17.5pt;">298</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">2,703</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Investment securities and deposits<font style="padding-left: 1.11pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">456</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 14.17pt;">(456)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Interest on tax-exempt loans and securities<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">5,236</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">5,236</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest income<font style="padding-left: 4.56pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">83,429</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">18,913</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 8.33pt;">1,851</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 5pt;">104,193</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">INTEREST EXPENSE<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">3,977</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">2,576</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 5pt;">(1,131)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;">(b)</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">5,422 </font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on short-term borrowings<font style="padding-left: 3.34pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">105</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 27.5pt;">4</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 22.5pt;">109</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on subordinated debt<font style="padding-left: 1.66pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,188</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">2,188</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest expense<font style="padding-left: 1.79pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">6,270</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,580</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,131</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">7,719</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NET INTEREST INCOME<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">77,159</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">16,333</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 8.33pt;">2,982</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10pt;">96,474</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Provision (release of allownace) for loan losses<font style="padding-left: 1.07pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 6.67pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(6,275</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,946</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(4,329</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Net interest income after provision for loan losses<font style="padding-left: 1.07pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">83,434</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">14,387</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">2,982</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">100,803</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NONINTEREST INCOME<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Payment card and service charge income<font style="padding-left: 1.06pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">7,524</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 17.5pt;">243</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">7,767</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Insurance and investment services income<font style="padding-left: 1.06pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,003</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">1,003</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Gain on sale of available-for-sale securities, net<font style="padding-left: 4.69pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">3,875</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">3,875</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Gain on sale of equity securities, net<font style="padding-left: 2.18pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 27.5pt;">5</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 32.5pt;">5</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Gain on sale of loans, net<font style="padding-left: 4.72pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">4,178</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 10pt;">6,975</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10.37pt;">11,153</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Holding gain on equity securities, net</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">3,776</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 10pt;">1,998</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">5,774</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Compliance and consulting income<font style="padding-left: 1.65pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">9,625</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">9,625</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Equity method investment income<font style="padding-left: 0.53pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">17,428</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10pt;">17,428</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Equity method investment gain.<font style="padding-left: 0.25pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Gains on acquisition and divestiture activity<font style="padding-left: 0.51pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">10,783</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10pt;">10,783</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Government loan servicing and processing revenue<font style="padding-left: 2.76pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">24,526</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10pt;">24,526</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Changes in fair value in marketable securities<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">1,998</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 6.67pt;">(1,998)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Mortgage revenue<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">6,106</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">6,106</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government lending revenue<font style="padding-left: 2.21pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">7,937</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 6.67pt;">(7,937)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">SBA documentation preparation fees<font style="padding-left: 0.55pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">992</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 22.5pt;">992</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing rights<font style="padding-left: 3.86pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 17.5pt;">537</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 22.5pt;">537</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other operating income<font style="padding-left: 3.87pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">4,399</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(967</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">3,493</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">6,925</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest income<font style="padding-left: 4.56pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">62,596</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">41,129</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,774</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">106,499</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NONINTEREST EXPENSE<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Salaries and employee benefits<font style="padding-left: 3.89pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 5pt;">60,210</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 5pt;">23,652</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 8.33pt;">5,500</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;">(g)</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 10pt;">89,362</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy expense<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 10pt;">4,347</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.25pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.52pt; text-align: left;"><font style="padding-left: 10pt;">1,181</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.35pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.75pt; text-align: left;"><font style="padding-left: 15pt;">5,528</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">37<br></div></div></div>
<!--End Page 47-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 48-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except per share data)</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(see Note 2)</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.3%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Adjustments</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.32%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Equipment depreciation and maintenance<font style="padding-left: 4.96pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">4,642</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">6,587</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 22.5pt;">141</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;"><font style="padding-left: 0.56pt;">(c)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.87pt;">11,370</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Data processing and communications<font style="padding-left: 5pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">4,431</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">1,295</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,726</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Marketing, contributions and sponsorships<font style="padding-left: 3.85pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 35pt;">525</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">1,428</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">1,953</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Professional fees<font style="padding-left: 1.65pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">10,770</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">2,817</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 15pt;">3,450</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;">(g)</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">17,037</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Insurance, tax and assessment expense<font style="padding-left: 3.29pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,032</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">519</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">2,551</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Travel, entertainment, dues and subscriptions<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,092</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 20.83pt;">586</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,678</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Compensation<font style="padding-left: 2.73pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 17.5pt;">23,652</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 5pt;">(23,652)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy and equipment<font style="padding-left: 2.2pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">1,181</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(1,181)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan related expenses<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">1,430</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(1,430)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Data processing expense<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">899</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(899)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Advertising<font style="padding-left: 3.29pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">1,428</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(1,428)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Insurance expense<font style="padding-left: 1.1pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">519</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(519)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Software<font style="padding-left: 4.41pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">6,587</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 10pt;">(6,587)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Communications<font style="padding-left: 2.17pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">396</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(396)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed asset expense<font style="padding-left: 3.33pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">822</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(822)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Director fees<font style="padding-left: 2.76pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">721</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(721)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible amortization expense<font style="padding-left: 0.55pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt;">698</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 17.5pt;">(698)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt;">&#8212;</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other operating expenses<font style="padding-left: 2.21pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt;">5,403</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 22.5pt;">1,399</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt;">5,859</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 19.17pt;">(247) </font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;">(d)</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">13,964</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="border-bottom: 1pt solid #000000; padding-left: 50pt; margin-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="border-bottom: 1pt solid #000000; padding-left: 45pt; margin-left: 1.01pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="border-bottom: 1pt solid #000000; padding-left: 35.83pt; margin-left: 0.71pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">1,550</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;">(g)</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="border-bottom: 1pt solid #000000; padding-left: 50pt; margin-left: 1.5pt;"></font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest expense<font style="padding-left: 1.79pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">97,452</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">42,549</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">2,774</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">10,394</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">153,169</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income before income taxes</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">48,578</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 17.5pt;">12,967</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 11.67pt;">(7,412)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">54,133</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income taxes<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">9,882</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">867</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(1,927</font><font style="min-width: 37.5pt;">) </font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;"><font style="padding-left: 0.56pt;">(e)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">8,822</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net income before noncontrolling interest<font style="padding-left: 1.07pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">38,696</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 17.5pt;">12,100</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 11.67pt;">(5,485)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.87pt;">45,311</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net loss attributable to noncontrolling interest<font style="padding-left: 1.07pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 50pt;">425</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">631</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 50pt;">1,056</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 3.3pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">39,121</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 17.5pt;">12,731</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 11.67pt;">(5,485)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 22.5pt;">46,367</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Preferred dividends<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt; border-bottom: 1pt solid #000000; min-width: 50pt;">35</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 45pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 40pt; border-bottom: 1pt solid #000000; min-width: 50pt;">35</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net income available to common shareholders<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 50pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 50pt;">39,086</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">12,731</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 35.83pt;">$</font><font style="padding-left: 20.83pt; border-bottom: 3pt double #000000; min-width: 35.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 6.67pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">(5,485</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 50pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 50pt;">46,332</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted-average shares outstanding:<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic<font style="padding-left: 3.29pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5.37pt;">11,778,557</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 5pt;">2,153,700</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 5pt;">567,590</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;"><font style="padding-left: 1.67pt;">(f)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5pt;">14,499,847</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted<font style="padding-left: 0.51pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5pt;">12,613,620</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;"><font style="padding-left: 5pt;">2,228,663</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.02pt; text-align: left;"><font style="padding-left: 5pt;">492,627</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.84pt; text-align: left;"><font style="padding-left: 1.67pt;">(f)</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;"><font style="padding-left: 5pt;">15,334,910</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings per share:<br></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic<font style="padding-left: 3.29pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">3.32</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;">$<font style="padding-left: 22.5pt;">5.91</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">3.20</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted<font style="padding-left: 0.51pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">3.10</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4pt; text-align: left;">$<font style="padding-left: 22.5pt;">5.71</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.3%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.32%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.5pt; text-align: left;">$<font style="padding-left: 27.5pt;">3.02</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">38<br></div></div></div>
<!--End Page 48-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 49-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">NOTES TO UNAUDITED PRO FORMA CONSOLIDATED FINANCIAL STATEMENTS</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;">Note 1. Basis of Presentation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The accompanying unaudited pro forma consolidated financial statements and related notes were prepared in accordance with Article 11 of Regulation S-X. The unaudited pro forma consolidated balance sheet as of June&#160;30, 2022 combines the historical balance sheets of MVB and IFH, giving effect to the merger as if it had been completed on June&#160;30, 2022. The unaudited pro forma consolidated income statements for the six months ended June&#160;30, 2022 and for the year ended December&#160;31, 2021 combine the historical income statements of MVB and IFH, giving effect to the merger as if it had been completed on January&#160;1, 2021. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The accompanying unaudited pro forma consolidated financial statements and related notes have been prepared to illustrate the effects of the merger involving MVB and IFH under the acquisition method of accounting with MVB treated as the acquirer. As of the effective time of the merger, the assets and liabilities of IFH will be recorded by MVB at their respective fair values, and the excess of the merger consideration over the fair value of IFH&#8217;s net assets will be allocated to goodwill. The unaudited pro forma consolidated financial statements are presented for illustrative purposes only and do not necessarily indicate the financial results of the combined company had the companies been combined at the beginning of each period presented, nor does it necessarily indicate the results of operations in future periods or the future financial position of the combined company.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger provides for IFH common shareholders to receive 1.21 shares of MVB common stock for each share of IFH common stock they hold immediately prior to the merger. Based on the closing trading price of shares of MVB common stock on NASDAQ on October&#160;7, 2022, the value of the merger consideration per share of IFH common stock was $32.59. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The pro forma allocation of the purchase price reflected in the unaudited pro forma consolidated financial statements is subject to adjustment and may vary from the actual purchase price allocation that will be recorded at the time the merger is completed. Adjustments may include, but are not be limited to, changes in (i)&#160;IFH&#8217;s balance sheet through the effective time; (ii)&#160;the aggregate value of merger consideration paid if the price of shares of MVB common stock varies from the assumed $26.93 per share, which represents the closing share price of MVB common stock on October&#160;7, 2022; (iii)&#160;total direct transaction related expenses if is such costs vary from currently estimated amounts; and (iv)&#160;the underlying values of assets and liabilities if market conditions differ from current assumptions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The accounting policies of both MVB and IFH are in the process of being reviewed in detail. Upon completion of such review, additional conforming adjustments or financial statement reclassifications may be necessary.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Note 2. Reclassification Adjustments</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During the preparation of the unaudited pro forma consolidated financial statements, management performed a preliminary analysis of IFH&#8217;s financial information to identify differences in financial statement presentation as compared to the presentation of MVB. At the time of preparing the unaudited pro forma consolidated financial statements, MVB had not identified all adjustments necessary to conform IFH&#8217;s accounting policies to MVB&#8217;s accounting policies. The adjustments represent MVB&#8217;s best estimates based upon the information currently available to MVB and could be subject to change once more detailed information is available.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 33.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH Historical<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consolidated Balance Sheet</div></td><td class="gutter" style="width: 0.98%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.98%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Unaudited Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consolidated Balance Sheet</div></td><td class="gutter" style="width: 0.98%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.98%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Reclassifications at<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 14.05%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan servicing assets<font style="padding-left: 1.32pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;">$<font style="padding-left: 5pt;">(4,178)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest receivable<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 10pt;">(2,139)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other assets<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 5pt;">(13,161)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other intangible assets<font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 10pt;">(6,014)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Accrued interest receivable and other assets</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 8.33pt;">25,492</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest payable<font style="padding-left: 2.44pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 17.5pt;">(308)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other liabilities<font style="padding-left: 0.19pt;"></font></div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 10pt;">(9,939)</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Accrued interest payable and other liabilities</div></td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.98%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.05%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.96pt; text-align: left;"><font style="padding-left: 8.33pt;">10,247</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">39<br></div></div></div>
<!--End Page 49-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 50-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 30.77%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH Historical<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consolidated Income Statement</div></td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Unaudited Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consolidated Income Statement</div></td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.77%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Reclassifications<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">for the<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six Months Ended<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Reclassifications<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">for the<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 13.77%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 14.06%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest income:<br></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities and deposits<font style="padding-left: 3.78pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;">$<font style="padding-left: 12.5pt;">(324)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;">$<font style="padding-left: 12.5pt;">(456)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest on deposits with banks</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 21.2pt;">113</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 20.83pt;">158</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest on investment securities</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 21.2pt;">211</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 20.83pt;">298</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest income:<br></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government lending revenue<font style="padding-left: 3.21pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 10pt;">(3,891)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(7,937)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Changeds in fair value of marketable securities<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 10pt;">(5,994)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(1,998)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other operating income<font style="padding-left: 4.87pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 13.33pt;">1,150</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">3,493</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Payment card and service charge income</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">222</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 20.83pt;">243</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Gain on sale of loans, net</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 13.33pt;">2,812</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">6,975</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Holding gain (loss) on equity securities, net</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 13.33pt;">5,994</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">1,998</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest expense:<br></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Compensation<font style="padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 5pt;">(13,332)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 5pt;">(23,652)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Occupancy and equipment<font style="padding-left: 3.2pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(598)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(1,181)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan related expenses<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(896)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(1,430)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Data processing expense<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(520)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(899)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Advertising<font style="padding-left: 4.29pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(535)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(1,428)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Insurance expense<font style="padding-left: 2.1pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(230)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(519)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Software<font style="padding-left: 0.41pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(851)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 10pt;">(6,587)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Communications<font style="padding-left: 3.17pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(180)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(396)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed asset expense<font style="padding-left: 4.33pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(233)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(822)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Director fees<font style="padding-left: 3.76pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(351)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(721)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Intangible amortization expense<font style="padding-left: 1.55pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 17.5pt;">(340)</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 17.5pt;">(698)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other operating expenses<font style="padding-left: 3.21pt;"></font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 13.33pt;">1,785</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">5,859</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Salaries and employee benefits</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 8.33pt;">13,332</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 8.33pt;">23,652</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Occupancy expense</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">702</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">1,181</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Equipment depreciation and maintenance</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">851</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">6,587</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Data processing and communications</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">700</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">1,295</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketing, contributions and sponsorships</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">535</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 13.33pt;">1,428</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Insurance, tax and assessment expense</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">230</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 20.83pt;">519</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Travel, entertainment, dues and subscriptions</div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.77%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 14.3pt; text-align: left;"><font style="padding-left: 20.83pt;">224</font></div></td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.92%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 15pt; text-align: left;"><font style="padding-left: 20.83pt;">586</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.75pt; margin-left: 0pt; text-align: left;">Note 3. Preliminary Purchase Price Allocation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table summarizes the determination of the purchase price consideration with a sensitivity analysis assuming a 10% increase and 10% decrease in the price per share of MVB common stock from the October&#160;7, 2022 baseline with its impact on the preliminary goodwill.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Purchae Price Consideration Sensitivity Analysis</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">($ in thousands, except per share data)</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.79%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">October&#160;7, 2022</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.13%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">10% Increase</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.5%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">10% Decrease</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">IFH common shares<font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;"><font style="padding-left: 5pt;">2,249,000</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;"><font style="padding-left: 5pt;">2,249,000</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;"><font style="padding-left: 5pt;">2,249,000</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange ratio<font style="padding-left: 2.41pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;"><font style="padding-left: 27.5pt;">1.21</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;"><font style="padding-left: 27.5pt;">1.21</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;"><font style="padding-left: 27.5pt;">1.21</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB common shares<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;"><font style="padding-left: 5pt;">2,721,290</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;"><font style="padding-left: 5pt;">2,721,290</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;"><font style="padding-left: 5pt;">2,721,290</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB common share price, October&#160;7, 2022<font style="padding-left: 2.46pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;">$<font style="padding-left: 17.5pt;">26.93</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;">$<font style="padding-left: 17.5pt;">29.62</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;">$<font style="padding-left: 17.5pt;">24.24</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pro forma purchase price consideration<font style="padding-left: 3.02pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;">$<font style="padding-left: 12.5pt;">73,284</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;">$<font style="padding-left: 12.5pt;">80,613</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;">$<font style="padding-left: 12.5pt;">65,956</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Preliminary goodwill/(bargain purchase gain)<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.79%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.08pt; text-align: left;">$<font style="padding-left: 17.5pt;">&#8203;</font>3,383</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.2pt; text-align: left;"><font style="padding-left: 17.87pt;">10,711</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;"><font style="padding-left: 19.17pt;">(</font>3,945)</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">40<br></div></div></div>
<!--End Page 50-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 51-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">MVB has performed a preliminary valuation analysis of the fair market value of IFH&#8217;s assets to be acquired and liabilities to be assumed based upon available information and certain assumptions, which MVB believes are reasonable under the circumstances. Using the total merger consideration, MVB has estimated the allocation of IFH&#8217;s assets and liabilities. The following table summarizes the allocation of purchase price as of October&#160;7, 2022:</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">IFH Net Assets at Fair Value</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 87.18%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">($ in thousands)</div></td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Assets<br></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents:<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">26,681</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Certificates of deposits with banks<font style="padding-left: 3.89pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,499</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available-for-sale<font style="padding-left: 1.89pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">18,704</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Equity securities<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">17,982</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans held-for-sale<font style="padding-left: 1.85pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">62,442</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans receivable<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">259,932</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premises and equipment<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">9,875</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank-owned life insurance<font style="padding-left: 1.1pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,304</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest receivable and other assets<font style="padding-left: 1.16pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">23,021</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total assets<font style="padding-left: 3.44pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">425,440</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liabilities<br></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deposits<font style="padding-left: 0.51pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">334,814</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accrued interest payable and other liabilities<font style="padding-left: 2.25pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">19,</font><font style="border-bottom: 1pt solid #000000; min-width: 37.5pt;">997</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total liabilities<font style="padding-left: 4.55pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5.37pt;">354,811</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noncontrolling interest<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">728</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net assets acquired<font style="padding-left: 1.66pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">&#8203;</font><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">69,901</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This preliminary purchase price allocation has been used to prepare the transaction accounting adjustments in the unaudited pro forma consolidated financial statements. The final purchase price allocation will be determined when MVB has completed the detailed valuations and necessary calculations. The final allocation is expected to be completed when MVB files its Quarterly Report on Form 10-Q with the SEC for the period ended March&#160;31, 2023 and could differ materially from the preliminary allocation used in the transaction accounting adjustments. The final allocation may include (i)&#160;changes to the fair value of loans and securities; (ii)&#160;changes to allocations to intangible assets such as core deposits intangibles, as well as goodwill; (iii)&#160;changes to the fair value of deposits held and (iv)&#160;other changes to assets and liabilities.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Note 4. Pro Forma Adjustments to the Unaudited Consolidated Balance Sheet</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following pro forma adjustments have been reflected in the unaudited pro forma consolidated balance sheet. All adjustments are based on preliminary assumptions and valuations, which are subject to change. The pro forma consolidated balance sheet has been adjusted to reflect the issuance of MVB common stock to the IFH shareholder, adjustments to historical book values of IFH&#8217;s assets and liabilities to their preliminary estimated fair values in accordance with the acquisition method of accounting and estimated direct transaction costs in connection with the merger, including to:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(a)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustment to investment securities available-for-sale to the preliminary estimated fair value;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(b)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustment to loans held-for-sale to the preliminary estimated fair value;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(c)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustments to loans receivable, including the fair values of the interest rate mark for the loan portfolio of $(1.7) million and credit mark for the loan portfolio of $(4.6) million;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">eliminate historical IFH allowance for loan losses;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(e)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustments to premises and equipment to the preliminary estimated fair value; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(f)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustments to core deposit intangible assets to the preliminary estimated fair value of $3.5&#160;million;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">41<br></div></div></div>
<!--End Page 51-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 52-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(g)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">record accrual for estimated direct transaction costs of $10.5&#160;million, net of estimated income tax of $2.7&#160;million;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(h)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">eliminate historical IFH goodwill of $15.8 million and record estimated goodwill associated with the merger of $3.4 million;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustment to time deposits to the preliminary estimated fair value;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(j)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect accrual for litigation settled subsequent to period-end;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(k)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">eliminate historical IFH stockholders&#8217; equity; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(l)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect issuance of MVB common stock of $73.3&#160;million; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(m)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reflect adjustment to noncontrolling interest to the preliminary estimated fair value.</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 5. Pro Forma Adjustments to the Unaudited Consolidated Income Statements</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following pro forma adjustments have been reflected in the unaudited pro forma consolidated income statements. All adjustments are based on preliminary assumptions and valuations, which are subject to change.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(a)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net adjustments to interest and fees on loans of $0.7&#160;million and $1.9&#160;million for the six months ended June&#160;30, 2022 and the year ended December&#160;31, 2021, respectively, to reflect estimated amortization of the net discount on acquired loans receivable. The loan fair value adjustment is amortized using the sum-of-the-years-digits method over five years;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(b)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net adjustments to deposit interest expense of $(0.1) million and $(1.1) million for the six months ended June&#160;30, 2022 and the year ended December&#160;31, 2021, respectively, to reflect estimated accretion from fair value mark on time deposits. The time deposit fair value adjustment is amortized over 1.1&#160;years.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(c)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net adjustments to equipment depreciation and maintenance of $0.1&#160;million for both the six months ended June&#160;30, 2022 and the year ended December&#160;31, 2021 to reflect estimated depreciation from fair value adjustment to premises and equipment. Premises and equipment fair value is depreciated on a straight-line basis over 40&#160;years.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net adjustments to other operating expenses of $(0.1) million and $(0.2) million for the six months ended June&#160;30, 2022 and the year ended December&#160;31, 2021, respectively, to adjust estimated amortization of acquired core deposit intangible assets. Core deposit intangible assets fair value are amortized on a straight-line basis over 10&#160;years;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(e)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">record the tax expense or benefit on additional income or loss for the periods;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(f)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net change in weighted-average shares outstanding for the elimination of IFH common shares and issuance of 2.7&#160;million MVB common shares; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(g)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">record estimated direct transaction costs of $10.5&#160;million.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">42<br></div></div></div>
<!--End Page 52-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 53-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_109-unaudited_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCHAUPF"><!--Anchor--></a>COMPARATIVE HISTORICAL AND UNAUDITED PRO FORMA PER COMMON SHARE DATA</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The historical per share data for MVB common stock and IFH common stock below has been derived from the unaudited interim consolidated financial statements of each of MVB and IFH as of and for the six months ended June&#160;30, 2022 and the audited consolidated financial statements of each of MVB and IFH as of and for the year ended December&#160;31, 2021, which financial statements of MVB are incorporated herein by reference and for IFH are included in this joint proxy statement/prospectus.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma combined per share data set forth below gives effect to the merger as if it had occurred on January&#160;1, 2021, the beginning of the earliest period presented, in the case of continuing net income per share data, and as of June&#160;30, 2022, in the case of book value per share data, assuming that each outstanding share of IFH common stock had been converted into shares of MVB common stock based on the exchange ratio of 1.21&#160;of a share of MVB common stock for each share of IFH common stock. The unaudited pro forma combined per share data has been derived from the unaudited interim consolidated financial statements of each of MVB and IFH as of and for the six months ended June 30 and the audited consolidated financial statements for each of MVB and IFH as of and for the year ended December&#160;31, 2021.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma combined per share data has been derived using the acquisition method of accounting. See the section entitled &#8220;Unaudited Pro Forma Consolidated Financial Information&#8221; for more information. Accordingly, the pro forma adjustments reflect the assets and liabilities of IFH at their preliminary estimated fair values. Differences between these preliminary estimates and the final values in acquisition accounting will occur and these differences could have a material impact on the unaudited pro forma combined per share information set forth below.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma combined per share data does not purport to represent the actual results of operations that the combined company would have achieved had the merger been completed during these periods or to project the future results of operations that the combined company may achieve after the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The unaudited pro forma combined per share equivalent data set forth below shows the effect of the merger from the perspective of an owner of IFH common stock. The information was calculated by multiplying the unaudited pro forma combined per share data by the exchange ratio of 1.21.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 53.85%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Comparative Per Share Data</div></td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Historical</div></td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.13%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Combined</div></td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.43%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Equivalent<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Pro Forma<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Per Share of IFH<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Book Value<br></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">As of June&#160;30, 2022<font style="padding-left: 0.92pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$20.63</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$41.15</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$21.26</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$25.72</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">As of December&#160;31, 2021<font style="padding-left: 3.16pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$22.70</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$40.30</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$23.47</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$28.40</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash Dividends Paid<br></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the six monhts ended June&#160;30, 2022<font style="padding-left: 4.27pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">0.34</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">0.28</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">0.34</font></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the year ended December&#160;31, 2021<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">0.51</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">0.41</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">0.50</font></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Basic Earnings<br></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the six monhts ended June&#160;30, 2022<font style="padding-left: 4.27pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">0.48</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">2.29</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">0.77</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">0.93</font></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the year ended December&#160;31, 2021<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">3.32</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">5.91</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">3.20</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">3.87</font></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Diluted Earnings<br></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the six monhts ended June&#160;30, 2022<font style="padding-left: 4.27pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">0.45</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">2.22</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">0.74</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">0.89</font></div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">For the year ended December&#160;31, 2021<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">3.10</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.14pt; text-align: left;">$<font style="padding-left: 5pt;">5.71</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.28pt; text-align: left;">$<font style="padding-left: 5pt;">3.02</font></div></td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.43%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20.03pt; text-align: left;">$<font style="padding-left: 5pt;">3.66</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">The equivalent pro forma per share amounts of IFH were calculated by multiplying the pro forma combined amounts by the fixed exchange ratio of 1.21 shares of MVB common stock for each share of IFH common stock. </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">43<br></div></div></div>
<!--End Page 53-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 54-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_110-special01_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tTMVBSM"><!--Anchor--></a>THE MVB SPECIAL MEETING</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This section contains information for MVB shareholders about the special meeting that MVB has called to allow MVB shareholders to consider and vote on the MVB merger proposal, the MVB articles amendment proposal and the MVB adjournment proposal. This joint proxy statement/prospectus is accompanied by a notice of the MVB special meeting, and a form of proxy card that the MVB board of directors is soliciting for use by MVB shareholders at the special meeting and at any adjournments or postponements of the special meeting. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tDTPM"><!--Anchor--></a>Date, Time and Place of the Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB special meeting will be held virtually via the internet on [&#8195;&#8195;&#8195;], 2022 at [&#8195;&#8195;&#8195;], Eastern Time. Due to the continuing public health impact of the COVID-19 pandemic and to support the well-being of our shareholders and employees, the MVB special meeting will be held in a virtual-only meeting format conducted via webcast. Shareholders may participate in the virtual meeting by accessing [www.virtualshareholdermeeting.com/MVBF2022SM].</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tMBC"><!--Anchor--></a>Matters to Be Considered</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the MVB special meeting, MVB shareholders will be asked to consider and vote upon the following proposals: </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB merger proposal; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB articles amendment proposal; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the MVB adjournment proposal.</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tRMVBBOD"><!--Anchor--></a>Recommendation of MVB&#8217;s Board of Directors</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors recommends that you vote &#8220;FOR&#8221; the MVB merger proposal, &#8220;FOR&#8221; the MVB articles amendment proposal and &#8220;FOR&#8221; the MVB adjournment proposal. See &#8220;The Merger&#8212;MVB&#8217;s Reasons for the Merger&#894; Recommendation of MVB&#8217;s Board of Directors&#8221; beginning on page <a href="#tMVBR">79</a> for a more detailed discussion of the MVB board of directors&#8217; recommendation. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tRDQ"><!--Anchor--></a>Record Date and Quorum</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors has fixed the close of business on [&#8195;&#8195;&#8195;], 2022 as the record date for the determination of holders of MVB common stock entitled to notice of and to vote at the MVB special meeting. As of the MVB record date, there were [&#8195;&#8195;&#8195;] shares of MVB common stock outstanding. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of a majority of the outstanding shares of MVB common stock entitled to vote at the MVB special meeting must be present, either in attendance virtually via the MVB special meeting website or by proxy, to constitute a quorum at the MVB special meeting. If you fail to submit a proxy prior to the special meeting or to vote at the MVB special meeting via the MVB special meeting website, your shares of MVB common stock will not be counted towards a quorum. Abstentions are considered present for purpose of establishing a quorum.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the MVB special meeting, each share of MVB common stock is entitled to one (1) vote on all matters properly submitted to MVB shareholders. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of the close of business on the MVB record date, MVB directors and executive officers and their affiliates owned and were entitled to vote approximately [&#8195;&#8195;&#8195;] shares of MVB common stock, representing less than [&#8195;&#8195;] percent ([&#8195;&#8195;]%) of the outstanding shares of MVB common stock. We currently expect that MVB&#8217;s directors and executive officers will vote their shares in favor of the MVB merger proposal, the MVB articles amendment proposal and the MVB adjournment proposal, although none of them has entered into any agreements obligating them to do so. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tBNV"><!--Anchor--></a>Broker Non-Votes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A broker non-vote occurs when a bank, broker, trustee or other nominee is not permitted to vote on a &#8220;non-routine&#8221; matter without instructions from the beneficial owner of the shares and the beneficial owner fails to provide the bank, broker, trustee or other nominee with such instructions. Broker non-votes only count toward a quorum if at least one (1) proposal is presented with respect to which the bank, broker, trustee or other </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">44<br></div></div></div>
<!--End Page 54-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 55-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_110-special01_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">nominee has discretionary authority. It is expected that all proposals to be voted on at the MVB special meeting will be &#8220;non-routine&#8221; matters, and, as such, broker non-votes, if any, will not be counted as present and entitled to vote for purposes of determining a quorum at the MVB special meeting. If your bank, broker, trustee or other nominee holds your shares of MVB common stock in &#8220;street name,&#8221; such entity will vote your shares of MVB common stock only if you provide instructions on how to vote by complying with the instructions provided to you by your bank, broker, trustee or other nominee with this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tVRTAFV"><!--Anchor--></a>Vote Required; Treatment of Abstentions and Failure to Vote</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 7pt; margin-left: 0pt; text-align: left;">MVB merger proposal: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;"><u>Vote required</u>: Assuming a quorum is present, approval of the MVB merger proposal requires the affirmative vote of a majority of the votes cast on the proposal. Approval of the MVB merger proposal is a condition to the completion of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;"><u>Effect of abstentions and failure to vote</u>: If you are present at the MVB special meeting and abstain from voting, or respond by proxy with an &#8220;ABSTAIN&#8221;, or if you are not present at the MVB special meeting and do not respond by proxy or do not provide your bank, broker, trustee or other nominee with instructions, as applicable, such abstention, failure to vote or broker non-vote will not be counted as a vote cast and will not have any effect on the outcome of this proposal, assuming a quorum is present.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 19.5pt; margin-left: 0pt; text-align: left;">MVB merger proposal: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Vote required: Assuming a quorum is present, approval of the MVB articles amendment proposal requires the affirmative vote of a majority of the votes cast on the proposal. Approval of the MVB articles amendment proposal is not a condition to the completion of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Effect of abstentions and failure to vote: If you are present at the MVB special meeting and abstain from voting, or respond by proxy with an &#8220;ABSTAIN&#8221;, or if you are not present at the MVB special meeting and do not respond by proxy or do not provide your bank, broker, trustee or other nominee with instructions, as applicable, such abstention, failure to vote or broker non-vote will not be counted as a vote cast and will not have any effect on the outcome of this proposal, assuming a quorum is present. </div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 19.5pt; margin-left: 0pt; text-align: left;">MVB adjournment proposal: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;"><u>Vote required</u>: Whether or not a quorum will be present at the meeting, approval of the MVB adjournment proposal requires the affirmative vote of a majority of the shares of MVB common stock having voting power present in person or represented by proxy at the MVB special meeting. Approval of the MVB adjournment proposal is not a condition to the completion of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;"><u>Effect of abstentions and failure to vote</u>: If you are present at the MVB special meeting and abstain from voting, or respond by proxy with an &#8220;ABSTAIN&#8221;, it will have the same effect as a vote cast &#8220;AGAINST&#8221; such proposal. If you are not present at the MVB special meeting and do not respond by proxy or do not provide your bank, broker, trustee or other nominee with instructions, as applicable, it will have no effect on the vote count for such proposal. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tAVSM"><!--Anchor--></a>Attending the Virtual Special Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB special meeting may be accessed via the MVB special meeting website, where MVB shareholders will be able to listen to the MVB special meeting, submit questions and vote online. You are entitled to attend the MVB special meeting via the MVB special meeting website only if you were a shareholder of record at the close of business on the record date (a &#8220;record holder&#8221;) or you held your MVB shares beneficially in the name of a bank, broker, trustee or other nominee as of the record date (a &#8220;beneficial owner&#8221;), or you hold a valid proxy for the MVB special meeting. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are a record holder, you will be able to attend the MVB special meeting online, ask questions and vote during the meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and following the instructions. Please have your control number, which can be found on your proxy card previously received, to access the meeting. If you are a beneficial owner, you also will be able to attend the MVB special meeting online, ask questions and vote during </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">45<br></div></div></div>
<!--End Page 55-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 56-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_110-special01_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">the meeting by visiting [www.virtualshareholdermeeting.com/MVBF2022SM] and following the instructions. Please have your control number, which can be found on the voting instructions provided by your bank, broker, trustee or other nominee, to access the meeting. Please review this information prior to the MVB special meeting to ensure you have access</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">See &#8220;&#8212;Shares Held in Street Name&#8221; below for further information.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Shareholders will have substantially the same opportunities to participate in the virtual MVB special meeting as they would have at a physical, in-person meeting. Shareholders as of the record date will be able to attend, vote, examine the shareholder list, and submit questions during a portion of the meeting via the online platform. To ensure the MVB special meeting is conducted in a manner that is fair to all shareholders, we may exercise discretion in determining the order in which questions are answered and the amount of time devoted to any one question. We reserve the right to edit or reject questions we deem inappropriate or not relevant to the MVB special meeting&#8217;s limited purpose. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Technical assistance will be available for shareholders who experience an issue accessing the MVB special meeting. Contact information for technical support will appear on the MVB special meeting website prior to the start of the MVB special meeting.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tPROXIES"><!--Anchor--></a>Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A holder of MVB common stock may vote by proxy or at the MVB special meeting via the MVB special meeting website. If you hold your shares of MVB common stock in your name as a record holder, to submit a proxy, you, as a holder of MVB common stock, may use one of the following methods: </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by telephone: by calling the toll-free number indicated on the accompanying proxy card and following the recorded instructions;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">through the internet: by visiting the website indicated on the accompanying proxy card and following the instructions; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by completing and returning the accompanying proxy card in the enclosed postage-paid envelope. The envelope requires no additional postage if mailed in the United States.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB requests that MVB shareholders vote by telephone, over the internet or by completing and signing the accompanying proxy card and returning it to MVB as soon as possible in the enclosed postage-paid envelope. When the accompanying proxy card is returned properly executed, the shares of MVB common stock represented by it will be voted at the MVB special meeting in accordance with the instructions contained on the proxy card. If you make no specification on your proxy card as to how you want your shares voted before signing and returning it, your proxy will be voted &#8220;FOR&#8221; the MVB merger proposal, &#8220;FOR&#8221; the MVB articles amendment proposal and &#8220;FOR&#8221; the MVB adjournment proposal. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are a beneficial owner, the holder should check the voting form used by that firm to determine whether the holder may vote by telephone or the internet. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Every vote is important. Accordingly, you should sign, date and return the enclosed proxy card, or vote via the internet or by telephone, whether or not you plan to attend the MVB special meeting virtually via the MVB special meeting website. Sending in your proxy card or voting by telephone or on the internet will not prevent you from voting your shares personally via the MVB special meeting website at the meeting because you may revoke your proxy at any time before it is voted.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tSHSN"><!--Anchor--></a>Shares Held in Street Name</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If your shares are held in &#8220;street name&#8221; through a broker, bank, trustee or other nominee, you must instruct the broker, bank, trustee or other nominee on how to vote your shares. Your broker, bank, trustee or other nominee will vote your shares only if you provide specific instructions on how to vote by following the instructions provided to you by your broker, bank, trustee or other nominee. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Further, brokers, banks, trustees or other nominees who hold shares of MVB common stock on behalf of their customers may not give a proxy to MVB to vote those shares with respect to any of the proposals without specific instructions from their customers, as brokers, banks, trustees and other nominees do not have discretionary voting power on the proposals that will be voted upon at the MVB special meeting, including the MVB merger proposal, the MVB articles amendment proposal and the MVB adjournment proposal.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">46<br></div></div></div>
<!--End Page 56-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 57-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_110-special01_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="tROP"><!--Anchor--></a>Revocability of Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you directly hold shares of MVB common stock in your name as a record holder, you can change your vote at any time before your proxy is voted at your meeting. You can do this by:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">submitting a written statement that you would like to revoke your proxy to the corporate secretary of MVB&#894;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">signing and returning a proxy card that is dated and received on a later date;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">attending the MVB special meeting virtually and voting at the MVB special meeting via the MVB special meeting website; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">voting by telephone or the internet at a later time.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are a beneficial owner and your shares are held by a bank, broker, trustee or other nominee, you may change your vote by:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">contacting your bank, broker, trustee or other nominee; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">attending the special meeting virtually and voting your shares via the special meeting website if you have your control number, which can be found on the voting instructions provided by your bank, broker, trustee or other nominee. Please contact your bank, broker, trustee or other nominee for further instructions. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left; line-height: 11.5pt;">Attendance virtually at the MVB special meeting will not in and of itself constitute revocation of a proxy. A revocation or later-dated proxy received by MVB after the vote will not affect the vote. MVB&#8217;s corporate secretary&#8217;s mailing address is: MVB Financial Corp., 301 Virginia Avenue, Fairmont, WV 26554. If the MVB virtual special meeting is postponed or adjourned, it will not affect the ability of MVB shareholders of record as of the record date to exercise their voting rights or to revoke any previously granted proxy using the methods described above. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tDPM"><!--Anchor--></a>Delivery of Proxy Materials</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left; line-height: 11.5pt;">As permitted by applicable law, only one (1) copy of this joint proxy statement/prospectus is being delivered to MVB shareholders residing at the same address, unless such MVB shareholders have notified MVB of their desire to receive multiple copies of the joint proxy statement/prospectus. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left; line-height: 11.5pt;">MVB will promptly deliver, upon oral or written request, a separate copy of the joint proxy statement/prospectus to any MVB shareholder residing at an address to which only one (1) copy of such document was mailed. Requests for additional copies should be directed to Lisa J. McCormick, Corporate Secretary of MVB, at (304)&#160;363-4800 or by email to lmccormick@mvbbanking.com. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tDISSR"><!--Anchor--></a>Dissenters&#8217; Rights</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of MVB common stock are not entitled to dissenters&#8217; rights under the WVBCA with respect to the proposed merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tSOP"><!--Anchor--></a>Solicitation of Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left; line-height: 11.5pt;">MVB and IFH will share equally the expenses incurred in connection with the printing and mailing of this joint proxy statement/prospectus. MVB may also request banks, brokers, trustees and other intermediaries holding shares of MVB common stock beneficially owned by others to send this document to, and obtain proxies from, the beneficial owners and may reimburse such record holders for their reasonable out-of-pocket expenses in so doing. Solicitation of proxies by mail may be supplemented by telephone and other electronic means, advertisements and personal solicitation by the directors, officers or employees of MVB. No additional compensation will be paid to our directors, officers or employees for solicitation. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tOMCB"><!--Anchor--></a>Other Matters to Come Before the MVB Special Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB management knows of no other business to be presented at the MVB special meeting, but if any other matters are properly presented to the meeting or any adjournments thereof, the persons named in the proxies will vote upon them in accordance with the MVB board of directors&#8217; recommendations. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tASSIST"><!--Anchor--></a>Assistance</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you need assistance in completing your proxy card, have questions regarding MVB&#8217;s special meeting or would like additional copies of this joint proxy statement/prospectus, please contact the Corporate Secretary, MVB Financial Corp., 301 Virginia Avenue, Fairmont, WV 26554, telephone (304) 363-4800 or by email to lmccormick@mvbbanking.com.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">47<br></div></div></div>
<!--End Page 57-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 58-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_111-proposals01_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tMVBPROP"><!--Anchor--></a>MVB PROPOSALS</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tPROP1"><!--Anchor--></a>PROPOSAL 1: MVB MERGER PROPOSAL </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the merger agreement, MVB is asking MVB shareholders to approve the adoption of the merger agreement and the transactions contemplated thereby, including the merger and the issuance of shares of MVB common stock as merger consideration. MVB shareholders should read this joint proxy statement/prospectus carefully and in its entirety, including the annexes, for more detailed information concerning the merger agreement and the merger. A copy of the merger agreement is attached to this joint proxy statement/prospectus as <font style="font-weight: bold;">Annex&#160;A</font>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, the MVB board of directors, by a unanimous vote, approved the merger agreement and declared the merger agreement and the transactions contemplated thereby, including the merger, to be advisable and in the best interest of MVB and MVB shareholders. See &#8220;The Merger&#8212;MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors&#8221; beginning on page <a href="#tMVBR">79</a> for a more detailed discussion of the MVB board of directors&#8217; recommendation. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The approval of the MVB merger proposal by MVB shareholders is a condition to the completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">The MVB board of directors unanimously recommends a vote &#8220;FOR&#8221; the MVB merger proposal.<font style="font-weight: normal;"> </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tPROP2"><!--Anchor--></a>PROPOSAL 2: MVB ARTICLES AMENDMENT PROPOSAL</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB is asking the MVB shareholders to approve an amendment to the MVB articles of incorporation to effect an increase in the number of authorized shares of MVB common stock from 20,000,000 to 40,000,000, to be effective upon the filing of the articles of amendment to the MVB articles of incorporation. The approval of the MVB articles amendment proposal is not a condition to the completion of the merger and will be implemented whether or not the merger is completed. A copy of the proposed articles of amendment to the MVB articles of incorporation is attached to this joint proxy statement/prospectus as Annex B. MVB shareholders should read the MVB articles amendment in its entirety.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 12pt; margin-left: 0pt; text-align: left;">Purpose and Effect of the Articles Amendment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors is recommending the proposed MVB articles amendment to increase the number of authorized shares of MVB common stock to give MVB the ability and flexibility to issue shares of MVB common stock for future corporate needs without the expense and delay associated with a special shareholders&#8217; meeting, except where shareholder approval is required by applicable law. The MVB board of directors believes that additional authorized shares of MVB common stock would give MVB the necessary ability and flexibility to issue shares for various corporate purposes, including, but not limited to, capital-raising or financing transactions, potential strategic transactions, including mergers, acquisitions, and other business combinations; grants and awards under equity compensation plans; stock splits and dividends; and other general corporate purpose transactions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As a general matter, MVB would be able to issue the additional authorized shares of MVB common stock in its discretion from time to time, subject to and as limited by, rules or listing requirements of NASDAQ or any other then applicable securities exchange, and without further action or approval of MVB&#8217;s shareholders. The discretion of the MVB board of directors, however, would be subject to any other applicable rules and regulations in the case of any particular issuance or reservation for issuance that might require MVB&#8217;s shareholders to approve such transaction. MVB currently has 20,000,000 shares of authorized common stock, $1.00 par value; 20,000,000 shares of authorized Class A common stock, $1.00 par value and 20,000 shares of preferred stock, $1,000.00 par value. As of [&#8195;&#8195;], there were [&#8195;&#8195;] shares of the 20,000,000 authorized shares of MVB common stock issued and outstanding and [&#8195;&#8195;] shares of MVB common stock reserved for issuance in connection with various stock-based equity incentive plans. After giving effect to the merger, it is expected that MVB will have approximately [&#8195;&#8195;] shares of MVB common stock issued and outstanding or reserved for issuance in connection with various stock-based equity awards, leaving it with [&#8195;&#8195;] authorized shares of MVB common stock available for future issuance (assuming the merger is completed). By approving the MVB articles amendment, shareholders are voting to increase our authorized capital stock, whether or not the merger is completed, by an additional 20,000,000 shares of MVB common stock, for total authorized MVB common stock of 40,000,000 shares. Other than in connection with the merger, the MVB board of directors does not intend to issue any additional shares as result of the MVB articles amendment except on terms that it considers to be in the best interests of MVB and its shareholders.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">48<br></div></div></div>
<!--End Page 58-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 59-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_111-proposals01_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">As of the date of this joint proxy statement/prospectus, MVB has no immediate plans, proposals, understandings, agreements or commitments to issue the additional shares of MVB common stock that MVB is seeking through the articles amendment for funding, acquisitions or any other purpose. However, MVB reviews and evaluates potential capital raising activities, strategic transactions and other corporate actions on an ongoing basis to determine if such actions would be in the best interest of MVB and the best interest of its shareholders.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Impact of the Articles Amendment on MVB Common Stock</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The additional shares of MVB common stock for which authorization is sought would be a part of the existing class of MVB common stock. If and when issued, these shares would have the same rights and privileges as the shares of MVB common stock presently outstanding. No holder of MVB common stock has any preemptive rights to acquire additional shares of MVB common stock.The terms of the additional shares of MVB common stock will be identical to those of the currently outstanding shares of MVB common stock. However, because holders of MVB common stock have no pre-emptive rights to purchase or subscribe for any unissued stock of MVB, the issuance of additional shares of MVB common stock will reduce the current shareholders&#8217; percentage ownership interest in the total outstanding shares of MVB common stock. The MVB articles amendment and the creation of additional shares of authorized MVB common stock will not alter the current number of issued shares. The relative rights and limitations of the shares of MVB common stock will remain unchanged under the MVB articles amendment.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders should recognize that, as a result of this proposal, they may own a lesser percentage of shares with respect to the total authorized shares of MVB common stock than they presently own, and will be diluted as a result of any issuance of MVB common stock by MVB in the future.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There are currently no specific plans, arrangements, commitments or understandings for the issuance of the additional shares of MVB common stock which are proposed to be authorized (except that MVB may issue additional shares of MVB common stock in connection with the consummation of the merger).</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Certain Risks Associated with the Articles Amendment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The issuance of additional shares of MVB common stock could reduce existing shareholders&#8217; percentage ownership and voting power in MVB and, depending on the transaction in which they are issued, could affect the per share book value or other per share financial measures.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">By approving the MVB articles amendment, shareholders are voting to increase its authorized capital stock by an additional 20,000,000 shares of MVB common stock, for total authorized MVB common stock of 40,000,000 shares. Because the MVB articles of incorporation do not confer to its shareholders pre-emptive rights with respect to MVB common stock, when the MVB board of directors elects to issue additional shares of MVB common stock in the future, existing shareholders would not have a preferential right to purchase these shares and could suffer substantial dilution. Shareholders would suffer dilution in the book value of their shares if the additional capital stock is sold at prices lower than the price at which a shareholder purchased their shares of MVB common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The proposed increase in the authorized number of shares of MVB common stock could have a number of effects on its shareholders depending upon the exact nature and circumstances of any actual issuances of authorized but unissued shares. The issuance of additional shares to certain persons allied with MVB management could have the effect of making it more difficult to remove MVB&#8217;s current management, including the current board of directors, by diluting the stock ownership or voting rights of persons seeking to cause such removal. The increase could also have an anti-takeover effect, in that additional shares could be issued (within the limits imposed by applicable law) in one (1) or more transactions that could make a change in control or takeover of MVB more difficult. For example, additional shares could be issued by MVB so as to dilute the stock ownership or voting rights of persons seeking to obtain control of MVB, even if the persons seeking to obtain control offer an above-market premium that is favored by a majority of the independent shareholders. In the event of a hostile attempt to take control of MVB, it may be possible for the MVB board of directors to impede that attempt by issuing shares of MVB common stock, which would dilute the voting power for the other outstanding shares and increase the potential cost to acquire control of MVB. The MVB articles amendment therefore may have the effect of discouraging unsolicited takeover attempts, potentially limiting the opportunities of MVB shareholders to dispose of their shares at a premium, which may be offered in takeover attempts or a merger proposal. MVB has no plans or proposals to adopt other provisions or enter into other arrangements that </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">49<br></div></div></div>
<!--End Page 59-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 60-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_111-proposals01_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">may have material anti-takeover consequences. MVB is not aware of any attempt, or contemplated attempt, to acquire control of MVB, and this proposal is not being presented with the intent that it be utilized as a type of anti-takeover device.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">No Dissenters&#8217; Rights</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">No dissenters&#8217; rights are available to any shareholder who dissents from the proposal to amend the articles of incorporation under the WVBCA or under the current MVB articles of incorporation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The approval of the MVB amendment proposal by MVB shareholders is not a condition to the completion of the merger. The MVB articles amendment will become effective upon the filing of the articles of amendment whether or not the merger is completed.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors unanimously recommends a vote &#8220;FOR&#8221; the MVB articles amendment proposal.<font style="font-weight: normal;"> </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tPROP3"><!--Anchor--></a>PROPOSAL 3: MVB ADJOURNMENT PROPOSAL </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB special meeting may be adjourned to another time or place, if necessary or appropriate, to solicit additional proxies if there are insufficient votes at the time of the MVB special meeting to approve the MVB merger proposal or the MVB articles amendment proposal or to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to MVB shareholders. If, at the MVB special meeting, the number of shares of MVB common stock present or represented and voting in favor of MVB merger proposal or the MVB articles amendment proposal is insufficient to approve the MVB merger proposal or the MVB articles amendment proposal, MVB intends to move to adjourn the MVB special meeting in order to enable the MVB board of directors to solicit additional proxies for approval of the MVB merger proposal or the MVB articles amendment proposal. In that event, MVB will ask MVB shareholders to vote upon the MVB adjournment proposal, but not the MVB merger proposal or the MVB articles amendment proposal. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In this proposal, MVB is asking MVB shareholders to authorize the holder of any proxy solicited by the MVB board of directors, on a discretionary basis, (i)&#160;if there are not sufficient votes at the time of the MVB special meeting to approve the MVB merger proposal or the MVB articles amendment proposal or (ii)&#160;if necessary or appropriate to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to MVB shareholders, to vote in favor of adjourning the MVB special meeting to another time and place for the purpose of soliciting additional proxies, including the solicitation of proxies from MVB shareholders who have previously voted. Pursuant to the MVB bylaws, the MVB special meeting may be adjourned without new notice being given.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The approval of the MVB adjournment proposal by MVB shareholders is not a condition to the completion of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The MVB board of directors unanimously recommends a vote &#8220;FOR&#8221; the MVB adjournment proposal.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">50<br></div></div></div>
<!--End Page 60-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 61-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_112-special02_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tIFHSM"><!--Anchor--></a>THE IFH SPECIAL MEETING</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This section contains information for IFH shareholders about the IFH special meeting called to allow IFH shareholders to consider and vote on the IFH merger proposal and the IFH adjournment proposal. This joint proxy statement/prospectus is accompanied by a notice of the IFH special meeting and a form of proxy card that the IFH board of directors is soliciting for use by IFH shareholders at the special meeting and at any adjournments of the special meeting.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tDATE"><!--Anchor--></a>Date, Time and Place of the Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH special meeting will be held at IFH&#8217;s headquarters, located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, on [<u>&#8195;&#8195;&#8195;</u>], 2022, at [<u>&#8195;</u>] Eastern time.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tMATTERS"><!--Anchor--></a>Matters to Be Considered</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">At the IFH special meeting, IFH shareholders will be asked to consider and vote upon the following proposals:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the IFH merger proposal; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the IFH adjournment proposal.</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tRIFHBD"><!--Anchor--></a>Recommendation of IFH&#8217;s Board of Directors</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH board of directors recommends that you vote &#8220;FOR&#8221; the IFH merger proposal and &#8220;FOR&#8221; the IFH adjournment proposal. See &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors&#8221; beginning on page <a href="#tIFHREA">90</a> for a more detailed discussion of the IFH board of directors&#8217; recommendation.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tRDQU"><!--Anchor--></a>Record Date and Quorum</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH board of directors has fixed the close of business on [&#8195;&#8195;&#8195;&#8195;], 2022 as the record date for the determination of IFH shareholders entitled to notice of and to vote at the IFH special meeting. As of the record date, there were [&#8195;&#8195;&#8195;&#8195;] shares of IFH voting common stock outstanding and [&#8195;&#8195;&#8195;&#8195;] shareholders of record of IFH voting common stock. As of the record date, there were 21,740 shares of IFH non-voting common stock outstanding and all such shares of non-voting common stock were held by a single holder. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of a majority of the outstanding shares of IFH voting common stock entitled to vote at the IFH special meeting must be present, either in person or by proxy, to constitute a quorum at the IFH special meeting with respect to that voting group. Similarly, holders of a majority of the outstanding shares of IFH non-voting common stock entitled to vote at the IFH special meeting must be present, either in person or by proxy, to constitute a quorum at the IFH special meeting with respect to that voting group. If you fail to submit a proxy prior to the special meeting, or to vote at the IFH special meeting, your shares of IFH common stock will not be counted towards a quorum. Abstentions are considered present for the purpose of establishing a quorum.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the IFH special meeting, each share of IFH common stock is entitled to one (1) vote on all matters properly submitted to IFH shareholders.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tBNVO"><!--Anchor--></a>Broker Non-Votes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A broker non-vote occurs when a bank, broker, trustee or other nominee is not permitted to vote on a &#8220;non-routine&#8221; matter without instructions from the beneficial owner of the shares and the beneficial owner fails to provide the bank, broker, trustee or other nominee with such instructions. Broker non-votes only count toward a quorum if at least one (1) proposal is presented with respect to which the bank, broker, trustee or other nominee has discretionary authority. It is expected that all proposals to be voted on at the IFH special meeting will be &#8220;non-routine&#8221; matters, and, as such, broker non-votes, if any, will not be counted as present and entitled to vote for purposes of determining a quorum at the IFH special meeting. If your bank, broker, trustee or other nominee holds your shares of IFH common stock in &#8220;street name,&#8221; such entity will vote your shares of IFH common stock only if you provide instructions on how to vote by complying with the instructions provided to you by your bank, broker, trustee or other nominee with this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tVRTAFVO"><!--Anchor--></a>Vote Required; Treatment of Abstentions and Failure to Vote</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 7pt; margin-left: 0pt; text-align: left;">IFH merger proposal:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><u>Vote required</u>: Approval of the IFH merger proposal requires (i)&#160;the affirmative vote of a majority of the outstanding shares of IFH voting common stock entitled to vote on the merger proposal, voting as a separate </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">51<br></div></div></div>
<!--End Page 61-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 62-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_112-special02_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">voting group, and (ii)&#160;the affirmative vote of a majority of the outstanding shares of IFH non-voting common stock entitled to vote on the merger proposal, voting as a separate voting group. Approval of the IFH merger proposal is a condition to the completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><u>Effect of abstentions and failure to vote</u>: If you are present at the IFH special meeting and abstain from voting, or respond by proxy with an &#8220;ABSTAIN&#8221;, it will have the same effect as a vote cast &#8220;AGAINST&#8221; such proposal. If you are not present at the IFH special meeting and do not respond by proxy or do not provide your bank, broker, trustee or other nominee with instructions, as applicable and as may be required, it will have the same effect as a vote cast &#8220;AGAINST&#8221; such proposal. </div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">IFH adjournment proposal:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><u>Vote required</u>: Whether or not a quorum will be present at the meeting, the IFH adjournment proposal will be approved by each voting group, if the votes cast with respect to that voting group at the IFH special meeting, in person or by proxy, in favor of the adjournment proposal exceed the votes cast against such proposal. Approval of the IFH adjournment proposal is not a condition to the completion of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><u>Effect of abstentions and failure to vote</u>: If you are present at the IFH special meeting and abstain from voting, or respond by proxy with an &#8220;ABSTAIN&#8221;, it will have the same effect as a vote cast &#8220;AGAINST&#8221; such proposal. If you are not present at the IFH special meeting and do not respond by proxy or do not provide your bank, broker, trustee or other nominee with instructions, as applicable and as may be required, it will have no effect on the vote count for such proposal. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;"><a name="tAIFHSME"><!--Anchor--></a>Attending the IFH Special Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you hold your shares of IFH common stock in your name as a shareholder of record, and plan on attending the IFH special meeting, please bring your proxy card and evidence of your stock ownership, such as your most recent account statement to the IFH special meeting. You should also bring valid picture identification. If your shares of IFH common stock are held in &#8220;street name&#8221; in a stock brokerage account or by a bank, broker, or other nominee and you wish to attend the IFH special meeting, you need to bring a copy of a bank or brokerage statement to the IFH special meeting reflecting your stock ownership as of the record date. You should also bring valid picture identification. Even if you are permitted to attend the IFH special meeting in person as a &#8220;street name&#8221; holder, you will not be permitted to vote in person at the IFH special meeting unless you have obtained a valid appointment of proxy from the record holder of your shares, such as a bank or a broker, to be able to vote in person at the IFH special meeting.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH reserves the right to refuse admittance to anyone without proper proof of share ownership or without proper photo identification. The use of cameras, sound recording equipment, communications devices or any similar equipment during the IFH special meeting is prohibited without IFH&#8217;s express written consent.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tVMPIPR"><!--Anchor--></a>Voting Methods; Proxies and Incomplete Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">An IFH shareholder may vote in person or by proxy at the IFH special meeting. If you hold your shares of IFH common stock in your name as a shareholder of record, to submit a proxy, you, as an IFH shareholder, may use one of the following methods:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Complete and return the proxy card in the enclosed postage-paid envelope. The envelope requires no additional postage if mailed in the United States; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Vote by proxy through the Internet: by visiting the website indicated on the accompanying proxy card and following the instructions.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH requests that IFH shareholders vote as soon as possible, over the Internet or by completing and signing the accompanying proxy card and returning it to IFH in the enclosed postage-paid envelope. When the accompanying proxy card is returned properly executed, the shares of IFH common stock represented by it will be voted at the IFH special meeting in accordance with the instructions contained on the proxy card. If you make no specification on your proxy card as to how you want your shares voted before signing and returning it, your proxy will be voted &#8220;FOR&#8221; the IFH merger proposal and &#8220;FOR&#8221; the IFH adjournment proposal.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are a beneficial owner and hold your shares in &#8220;street name&#8221;, you should check the voting form used by that firm to determine whether you may vote by Internet. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">52<br></div></div></div>
<!--End Page 62-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 63-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_112-special02_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Every vote is important. Accordingly, you should sign, date and return the enclosed proxy card, or vote via the Internet, whether or not you plan to attend the IFH special meeting in person. Sending in your proxy card or voting by Internet will not prevent a record shareholder from voting your shares in person at the special meeting because you may subsequently revoke your proxy at any time before it is voted. See &#8220;&#8212;Revocability of Proxies&#8221; below for further information</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tSHSNA"><!--Anchor--></a>Shares Held in Street Name</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are an IFH shareholder and your shares are held in &#8220;street name&#8221; through a bank, broker or other nominee, you must provide the record holder of your shares with instructions on how to vote the shares. Please follow the voting instructions provided by the bank, broker or other nominee. You may not vote shares held in street name by returning a proxy card directly to IFH or by voting in person at the IFH special meeting unless you obtain a &#8220;legal proxy&#8221; from your bank, broker or other nominee.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Further, banks, brokers, trustees or other nominees who hold shares on behalf of their customers may not give a proxy to IFH to vote those shares with respect to any of the proposals without specific instructions from their customers, as banks, brokers, trustees and other nominees do not have discretionary voting power on the proposals that will be voted upon at the IFH special meeting, including the IFH merger proposal and the IFH adjournment proposal.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tROPR"><!--Anchor--></a>Revocability of Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you directly hold shares of IFH common stock in your name as a record holder, you can change your proxy vote at any time before your proxy is voted at the IFH special meeting. You can do this by:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">submitting a written statement that you would like to revoke your proxy to the corporate secretary of IFH, whose mailing address is: 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615&#894;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">signing and returning a proxy card that is dated and received on a later date; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">attending the IFH special meeting and voting in person at the meeting.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you are a beneficial owner and your shares are held by a bank, broker, trustee or other nominee, you may change your vote by contacting your bank, broker, trustee or other nominee and following the instructions they provide.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Attendance at the IFH special meeting will not in and of itself constitute revocation of a proxy. A revocation or later-dated proxy received by IFH after the vote will not affect the vote at the IFH special meeting. If the IFH special meeting is postponed or adjourned, it will not affect the ability of IFH shareholders of record as of the record date to exercise their voting rights or to revoke any previously granted proxy using the methods described above.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tSSVA"><!--Anchor--></a>Shares Subject to Voting Agreement; Shares Held by Directors and Executive Officers</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each director of IFH as well as certain executive officers of IFH have entered into a voting and support agreement (which we refer to as the &#8220;voting agreement&#8221;) in the form attached as Exhibit A to the merger agreement, which is attached as <font style="font-weight: bold;">Annex&#160;A</font> to this joint proxy statement/prospectus. Under the voting agreement, each such person agreed, among other things, to vote their shares of IFH common stock (1)&#160;in favor of the merger agreement and in favor of each of the other actions contemplated by the merger agreement, (2)&#160;against approval of any proposal made in opposition to, or in competition with, the merger or any other transactions contemplated by the merger agreement and (3)&#160;against any action that is intended, or could reasonably be expected to, impede, interfere with, delay, postpone, discourage or adversely affect the merger or any other transactions between MVB and IFH as contemplated by the merger agreement. As of the IFH record date, [&#8195;&#8195;]&#160;shares of IFH voting common stock, or approximately [&#8195;&#8195;]% of the outstanding shares of IFH voting common stock entitled to vote at the IFH special meeting, are bound by the voting agreement. As of the IFH record date, all the shares of IFH non-voting common stock entitled to vote at the IFH special meeting are bound by the voting agreement.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tDPMS"><!--Anchor--></a>Delivery of Proxy Materials</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As permitted by applicable law, only one (1)&#160;copy of this joint proxy statement/prospectus is being delivered to IFH shareholders residing at the same address, unless such IFH shareholders have notified IFH of their desire to receive multiple copies of the joint proxy statement/prospectus.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">53<br></div></div></div>
<!--End Page 63-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 64-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_112-special02_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">IFH will promptly deliver, upon oral or written request, a separate copy of the joint proxy statement/prospectus to any holder of IFH common stock residing at an address to which only one (1) copy of such document was mailed. Requests for additional copies should be directed to Steven E. Crouse, EVP and Chief Financial Officer of IFH, at (919) 861-8018, or by e-mail to steve@ifhinc.com.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tAPPRIGHT"><!--Anchor--></a>Appraisal Rights</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of IFH common stock who do not vote in favor of the IFH merger proposal have the right to dissent from the merger and demand appraisal rights. These appraisal rights are conditioned on strict compliance with the requirements of Article 13 of the NCBCA. Please see &#8220;The Merger&#8212;Appraisal or Dissenters&#8217; Rights in the Merger,&#8221; beginning on page <a href="#tADRMER">111</a>, and the full text of Article 13 of the NCBCA, which is reproduced in full in <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">E</font> to this joint proxy statement/prospectus, for additional information.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tSOPS"><!--Anchor--></a>Solicitation of Proxies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH will share equally the expenses incurred in connection with the printing and mailing of this joint proxy statement/prospectus. IFH will also request banks, brokers, trustees and other intermediaries holding shares of IFH common stock beneficially owned by others to send this document to, and obtain proxies from, the beneficial owners and may reimburse such record holders for their reasonable out-of-pocket expenses in so doing. Solicitation of proxies by mail may be supplemented by telephone and other electronic means, advertisements and personal solicitation by the directors, officers or employees of IFH. No additional compensation will be paid to IFH&#8217;s directors, officers or employees for solicitation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">You should not send in any IFH stock certificates with your proxy card (or, if you are a beneficial owner, your voting instruction card). The exchange agent will mail a transmittal letter with instructions for the surrender of stock certificates to IFH shareholders as soon as practicable after completion of the merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tOMCBM"><!--Anchor--></a>Other Matters to Come Before the IFH Special Meeting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH management knows of no other business to be presented at the IFH special meeting, but if any other matters are properly presented to the meeting or any adjournments thereof, the persons named in the proxies will vote upon them in accordance with the IFH board of directors&#8217; recommendations. In accordance with North Carolina law, only business within the purpose or purposes described in the IFH meeting notice may be conducted at a special shareholders&#8217; meeting.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tASSIST2"><!--Anchor--></a>Assistance</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If you need assistance in completing your proxy card, have questions regarding IFH&#8217;s special meeting or would like additional copies of this joint proxy statement/prospectus, please contact to Steven E. Crouse, EVP and Chief Financial Officer of IFH, at (919) 861-8018, or by e-mail to steve@ifhinc.com. You may also contact IFH by mail at 8450 Falls of Neuse Rd., Suite 202, Raleigh, NC 27615. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">54<br></div></div></div>
<!--End Page 64-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 65-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_113-proposals02_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tIFHPROP"><!--Anchor--></a>IFH PROPOSALS</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tPROP1IFH"><!--Anchor--></a>PROPOSAL 1: IFH MERGER PROPOSAL</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the merger agreement, IFH is asking IFH shareholders to approve the adoption of the merger agreement and the transactions contemplated thereby, including the merger. IFH shareholders should read this joint proxy statement/prospectus carefully and in its entirety, including the annexes, for more detailed information concerning the merger agreement and the merger. A copy of the merger agreement is attached to this joint proxy&#160;statement/prospectus as <font style="font-weight: bold;">Annex&#160;A</font>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, the IFH board of directors unanimously approved and adopted the merger agreement and declared the merger agreement and the transactions contemplated thereby, including the merger, to be advisable and in the best interest of IFH and IFH shareholders. See &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors&#8221; beginning on page <a href="#tIFHREA">90</a> for a more detailed discussion of the IFH board of directors&#8217; recommendation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The approval of the IFH merger proposal by IFH shareholders is a condition to the completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The IFH board of directors unanimously recommends a vote &#8220;FOR&#8221; the IFH merger proposal.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tPROP2IFH"><!--Anchor--></a>PROPOSAL 2: IFH ADJOURNMENT PROPOSAL</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH special meeting may be adjourned to another time or place, if necessary or appropriate, to solicit additional proxies if there are insufficient votes at the time of the IFH special meeting to approve the IFH merger proposal or to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to IFH shareholders.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If, at the IFH special meeting, the number of shares of IFH common stock present or represented and voting in favor of the IFH merger proposal is insufficient to approve the IFH merger proposal, IFH intends to move to adjourn the IFH special meeting in order to enable the IFH board of directors to solicit additional proxies for approval of the IFH merger proposal. In that event, IFH will ask IFH shareholders to vote upon the IFH adjournment proposal, but not the IFH merger proposal.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In this proposal, IFH is asking IFH shareholders to authorize the holder of any proxy solicited by the IFH board of directors on a discretionary basis (i)&#160;if there are not sufficient votes at the time of the IFH special meeting to approve the IFH merger proposal or (ii)&#160;if necessary or appropriate to ensure that any supplement or amendment to this joint proxy statement/prospectus is timely provided to IFH shareholders, to vote in favor of adjourning the IFH special meeting to another time and place for the purpose of soliciting additional proxies, including the solicitation of proxies from IFH shareholders who have previously voted. Pursuant to the IFH bylaws, if the adjournment is for more than thirty (30) days or if after the adjournment, a new record date is set for the adjourned meeting, a notice of the adjourned meeting must be given to each shareholder of record entitled to vote at the meeting.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The approval of the IFH adjournment proposal by IFH shareholders is not a condition to the completion of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The IFH board of directors unanimously recommends a vote &#8220;FOR&#8221; the IFH adjournment proposal.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">55<br></div></div></div>
<!--End Page 65-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 66-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_113-proposals02_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tIATCOM"><!--Anchor--></a>INFORMATION ABOUT THE COMPANIES</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;"><a name="tMVB2"><!--Anchor--></a>MVB</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB Financial Corp. is a financial holding company organized as a West Virginia corporation in 2003 that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (&#8220;MVB Bank&#8221;). MVB conducts a wide range of business activities, primarily commercial and retail (&#8220;CoRe&#8221;) banking. MVB also continues to be involved in new innovative strategies to provide independent banking to corporate clients throughout the United States by leveraging recent investments in financial technology (&#8220;Fintech&#8221;) related companies, as further described in MVB&#8217;s filings with the SEC which are incorporated by reference into this joint proxy&#160;statement/prospectus. MVB considers Fintech companies as those entities that use technology to electronically move funds.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB Bank was formed on October&#160;30, 1997 and chartered under the laws of the State of West Virginia. MVB&#160;Bank commenced operations on January&#160;4, 1999. MVB Bank offers its customers a full range of products and services, including various demand deposit accounts, savings accounts, money market accounts and certificates of deposit, commercial, consumer and real estate mortgage loans and lines of credit, cashier&#8217;s checks, safe deposit rental facilities, and non-deposit investment services offered through an association with a broker-dealer.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB&#8217;s common stock is traded on NASDAQ under the symbol &#8220;MVBF.&#8221; The Company&#8217;s principal executive office is located at 301 Virginia Avenue, Fairmont, West Virginia 26554 and its telephone number is (304)&#160;363-4800.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tIFH2"><!--Anchor--></a>IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">General<font style="font-style: normal;">. Integrated Financial Holdings, Inc. is a bank holding company that has elected to be treated as a </font><font style="font-style: normal;">financial holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;BHCA&#8221;). IFH, </font><font style="font-style: normal;">which was originally incorporated under the name West Town Bancorp, Inc., was formed on June&#160;23, 2015, as a </font><font style="font-style: normal;">North Carolina business corporation with its main office in Raleigh, North Carolina. Effective January&#160;1, 2016, </font><font style="font-style: normal;">IFH became the registered bank holding company of West Town Bank. IFH is the sole shareholder and parent </font><font style="font-style: normal;">company of West Town Bank, and IFH&#8217;s primary federal regulator is the Federal Reserve Board. The history of </font><font style="font-style: normal;">West Town Bank dates back to 1922 when it was established as a savings and loan association under Illinois law. </font><font style="font-style: normal;">In October 1992, West Town Bank converted to an Illinois-chartered state savings bank and thereby changed its </font><font style="font-style: normal;">name to West Town Savings Bank. Most recently, on August&#160;31, 2014, the bank converted to its present </font><font style="font-style: normal;">corporate form of an Illinois-chartered state bank and was renamed West Town Bank &amp; Trust. West Town Bank&#8217;s </font><font style="font-style: normal;">deposits are insured up to applicable limits by the FDIC, and the bank is a member of the Federal Home Loan </font><font style="font-style: normal;">Bank of Chicago. West Town Bank&#8217;s primary federal regulator is the FDIC, and it is not a member of the </font><font style="font-style: normal;">Federal Reserve Board. West Town Bank&#8217;s primary state regulator is the Illinois Department of Financial &amp; </font><font style="font-style: normal;">Professional Regulation (the &#8220;IDFPR&#8221;).</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022, IFH&#8217;s total assets on a consolidated basis were approximately $435.5&#160;million, its total deposits were approximately $336.6&#160;million, and its total shareholders&#8217; equity was approximately $91.7&#160;million. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s voting common stock is currently quoted on the OTCQX marketplace operated by OTC Markets Group Inc. under the trading symbol &#8220;IFHI&#8221;; however, the public market for such shares has historically been limited and characterized by sporadic trading. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s principal executive office is located at 8450 Falls of Neuse Rd., Suite 202, Raleigh, North Carolina 27615, and its telephone number is (919) 948-1987.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">Business and Market Areas<font style="font-style: normal;">. IFH specializes in small business lending solutions, which it offers through West </font><font style="font-style: normal;">Town Bank and Windsor Advantage, LLC (&#8220;Windsor Advantage&#8221;), a wholly owned subsidiary of IFH. West </font><font style="font-style: normal;">Town Bank is headquartered in North Riverside, Illinois and offers traditional community bank deposit and </font><font style="font-style: normal;">lending services in the greater Chicago area. West Town Bank has no full-service branches. Additionally, West </font><font style="font-style: normal;">Town Bank engages in government-guaranteed lending on a national basis and tailors deposit products for </font><font style="font-style: normal;">specific lines of business. Windsor Advantage is a loan service provider that offers community banks and credit </font><font style="font-style: normal;">unions with a comprehensive outsourced U.S. Small Business Association (&#8220;SBA&#8221;) 7(a) and U.S. Department of </font><font style="font-style: normal;">Agriculture (&#8220;USDA&#8221;) lending platform. Windsor Advantage generates fee income for IFH in connection with its </font><font style="font-style: normal;">servicing, processing and packaging of such loans for its financial institution clients.</font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">56<br></div></div></div>
<!--End Page 66-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 67-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_113-proposals02_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Commercial banking is extremely competitive. West Town Bank competes in its market areas with some of the largest banking organizations in the country. Many of these competing banks have capital resources and legal lending limits substantially in excess of those available to West Town Bank. Many of West Town Bank&#8217;s competitors are also able to provide more services and make greater use of media advertising. As an example of the competition faced, West Town Bank&#8217;s main office is located in the Chicago-Naperville-Elgin, IL-IN-WI&#160;Metropolitan Statistical Area (the &#8220;Chicago MSA&#8221;). As of June&#160;30, 2022, there were 162&#160;FDIC-insured institutions operating 2,317 full-service offices within the Chicago MSA, which provides for substantial competition for lending and deposit business. Additionally, while West Town Bank and Windsor Advantage believe they have a competitive advantage due to their expertise in the government-guaranteed lending space, they are increasingly facing competition from larger competitors with bigger balance sheets, as well as competition from non-bank lenders. Entrants competing for business in the financial services space continue to increase. In addition to other banks, credit unions, consumer finance companies, insurance companies, brokerage companies, small loan companies and other financial technology companies, or Fintechs, with varying degrees of regulatory restrictions, compete vigorously for a share of the financial services market. IFH expects competition to continue to be significant for the financial services that community banks have traditionally provided to the public.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">Properties<font style="font-style: normal;">. West Town Bank owns both properties at which the main offices of IFH (8450 Falls of Neuse Rd., </font><font style="font-style: normal;">Suite 202, Raleigh NC) and West Town Bank (7820 W 26</font><font style="font-style: normal;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup></font><font style="font-style: normal;"> St, North Riverside IL) are located. Windsor </font><font style="font-style: normal;">Advantage leases space for its offices located in Charleston, SC; Chicago, IL; and Indianapolis, IN. IFH and its </font><font style="font-style: normal;">subsidiaries may from time-to-time lease additional space for sales, administrative, and/or loan production use, as </font><font style="font-style: normal;">its business demands. Additional discussion of IFH&#8217;s real property and leases can be found at Note 6 (Premises </font><font style="font-style: normal;">and Equipment) and Note 7 (Leases) to the Notes to Consolidated Financial Statements included in IFH&#8217;s </font><font style="font-style: normal;">consolidated financial statements for the years ended December&#160;31, 2021 and 2020 that accompany this joint </font><font style="font-style: normal;">proxy statement/prospectus.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;"><a name="tIFH3"><!--Anchor--></a>Legal Proceedings<font style="font-style: normal;">. On February&#160;19, 2019, a group of plaintiffs filed a putative class action lawsuit against West </font><font style="font-style: normal;">Town Bank alleging that they were subject to an illegal kickback and price fixing scheme designed and executed </font><font style="font-style: normal;">by All Star Title, Inc. for the referral of settlement services. The case is styled Joseph and Karen Somerville, III, </font><font style="font-style: normal;">et al. v. West Town Bank &amp; Trust, a/k/a West Town Savings Bank, Case No. 1.19-CV-00490, pending in the </font><font style="font-style: normal;">United States District Court for the District of Maryland (such case, the &#8220;RESPA Litigation&#8221;). Based on this </font><font style="font-style: normal;">alleged conduct, plaintiffs accused West Town Bank of violating Section 8(a) of the Real Estate Settlement </font><font style="font-style: normal;">Procedures Act (&#8220;RESPA&#8221;), 12 U.S.C. </font><font style="font-style: normal;">&#167;</font><font style="font-style: normal;"> 2607; Section 1 of the Sherman Act, 15 U.S.C. </font><font style="font-style: normal;">&#167;</font><font style="font-style: normal;"> 1; and Section 1962 </font><font style="font-style: normal;">of the Racketeer Influenced and Corrupt Organizations Act (&#8220;RICO&#8221;), 18 U.S.C. </font><font style="font-style: normal;">&#167;</font><font style="font-style: normal;"> 1962. These claims were </font><font style="font-style: normal;">asserted on a class basis, and the plaintiffs sought to represent other similar borrowers of West Town Bank </font><font style="font-style: normal;">whose loans were closed or settled by All Star Title, Inc. The plaintiffs sought to recover three times the charges </font><font style="font-style: normal;">they paid for settlement services in addition to actual damages trebled and attorneys&#8217; fees and costs. The </font><font style="font-style: normal;">plaintiffs&#8217; claim under the Sherman Act was ultimately dismissed by the court on November&#160;19, 2019, but the </font><font style="font-style: normal;">court allowed the plaintiffs&#8217; RESPA and RICO claims to continue.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On February&#160;4, 2021, the court certified a class comprised of borrowers who obtained a loan originated or brokered by West Town Bank for which All Star Title, Inc. provided a settlement service between January&#160;1, 2010 and December&#160;31, 2015. The court also certified two subclasses: a RICO subclass and a RESPA subclass. During July 2022 following the close of the June&#160;30, 2022 fiscal quarter, and precipitated, in part, by IFH&#8217;s ongoing strategic discussions with MVB, West Town Bank initiated informal settlement discussions with plaintiffs&#8217; counsel in the RESPA Litigation. Litigation such as the foregoing is time consuming, often takes years to resolve and can complicate a company&#8217;s strategic initiatives. On August&#160;10, 2022, West Town Bank agreed to settle the RESPA Litigation for an aggregate sum of $10.0&#160;million, subject to execution of a definitive settlement agreement and court approval. The plaintiffs, plaintiffs&#8217; counsel, and West Town Bank subsequently executed a definitive settlement agreement dated as of September&#160;7, 2022, for the aggregate sum of $10.0&#160;million. On October&#160;12, 2022, the court issued an order granting preliminary approval of the class action settlement, as reflected in the settlement agreement, and scheduled the final fairness hearing on the settlement for January&#160;18, 2023.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Other than the foregoing RESPA Litigation, IFH and its subsidiaries are not parties to, nor are any of their properties the subject of, any other material pending legal proceedings incidental to their businesses.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">57<br></div></div></div>
<!--End Page 67-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 68-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_114-security_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tSECOWN"><!--Anchor--></a>SECURITY OWNERSHIP OF CERTAIN IFH BENEFICIAL OWNERS AND MANAGEMENT</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH Voting Common <font style="font-style: normal;">Stock. The following table sets forth, as of October&#160;18, 2022, the beneficial ownership of </font><font style="font-style: normal;">IFH voting common stock by each of IFH&#8217;s directors and executive officers, by IFH&#8217;s directors and executive </font><font style="font-style: normal;">officers as a group, and by each person known to IFH to beneficially own more than 5% ownership of the issued </font><font style="font-style: normal;">and outstanding IFH voting common stock. Unless otherwise indicated, the address of each listed IFH </font><font style="font-style: normal;">shareholder is c/o Integrated Financial Holdings, Inc., 8450 Falls of Neuse Rd., Suite 202, Raleigh, North </font><font style="font-style: normal;">Carolina 27615.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Beneficial ownership is determined in accordance with the rules of the SEC, which generally attribute beneficial ownership of securities to persons who possess sole or shared voting or investment power with respect to those securities. Unless otherwise indicated, and subject to the voting agreements entered into with MVB in connection with entering into the merger agreement, to IFH&#8217;s knowledge, the persons or entities identified in the table below have sole voting and investment power with respect to all shares shown as beneficially owned by them.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 69.23%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Name of Beneficial Owner</div></td><td class="gutter" style="width: 0.85%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.85%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 17.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount and Nature of <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Beneficial Ownership<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div></td><td class="gutter" style="width: 0.85%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.85%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentage of <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Class<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>Directors and Executive Officers</u><br></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eric J. Bergevin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup><font style="padding-left: 1.57pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;">127,364</div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">5.58%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Michael Breckheimer<font style="padding-left: 3.76pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">13,600</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 22.5pt;">*</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Steven E. Crouse<font style="padding-left: 0.69pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 10pt;">8,700</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 22.5pt;">*</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Melissa D. Marsal<font style="padding-left: 1.26pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">25,440</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.13%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marc H. McConnell<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup><font style="padding-left: 0.29pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;">163,801</div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">7.31%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Jeffrey K. Moore<font style="padding-left: 0.89pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;">158,051</div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">7.05%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Randall C. Ramsey<font style="padding-left: 2.36pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">27,564</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.23%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">A. Riddick Skinner<font style="padding-left: 2.35pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">37,496</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.67%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Joseph T. Snyder<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup><font style="padding-left: 2.86pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">44,000</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.96%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Jimmy E. Stallings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(6)</sup><font style="padding-left: 0.27pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">34,809</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.55%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sandra Warren<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(7)</sup><font style="padding-left: 2.66pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">34,050</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 5pt;">1.52%</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">David Wicklund<font style="padding-left: 4.87pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;"><font style="padding-left: 5pt;">15,699</font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;"><font style="padding-left: 22.5pt;">*</font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">All directors and executive officers as a group (12 persons)<font style="padding-left: 2.36pt;"></font></div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.35pt; text-align: left;">690,574</div></td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.85%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.03%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.22pt; text-align: left;">29.61%</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">*<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Indicate<font style="font-weight: bold;">s</font> beneficial ownership of less than 1% of the issued and outstanding shares of voting common stock.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Included in the beneficial ownership tabulations are the following shares underlying options to purchase shares of common stock of IFH that were outstanding and exercisable as of October&#160;18, 2022 (or will become exercisable within 60 days of such date): Mr.&#160;Bergevin&#8212;43,800 shares; Mr.&#160;Breckheimer&#8212;2,850 shares; Mr.&#160;Crouse&#8212;1,700 shares; Ms.&#160;Marsal&#8212;11,850 shares; Mr.&#160;McConnell&#8212;1,200 shares; Dr. Moore&#8212;2,200 shares; Mr.&#160;Ramsey 2,200 shares; Mr.&#160;Skinner&#8212;9,150 shares; Mr.&#160;Snyder&#8212;300&#160;shares; Mr.&#160;Stallings&#8212;12,200 shares; Ms.&#160;Warren&#8212;5,200 shares, Mr.&#160;Wicklund&#8212;300 shares; and for all directors and executive officers as a group&#8212;92,950 shares.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">The calculation of the percentage of class beneficially owned by each individual and the group is based on the sum of (i)&#160;a total of 2,239,209 shares of voting common stock outstanding as of October&#160;18, 2022, and (ii)&#160;options to purchase shares of common stock which are exercisable as of or within 60 days of such date.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Ownership listed for Mr.&#160;Begevin includes 800 shares owned individually by Mr.&#160;Bergevin&#8217;s spouse, 5,000 shares owned by his children, and 22,690 owed jointly with his spouse.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Ownership listed for Mr.&#160;McConnell includes 119,001 shares owned by McConnell Legacy Investments, LLC and 500 shares owned by his children.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(5)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Ownership listed for Mr.&#160;Snyder includes 32,500 shares held by a trust for which he is trustee.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(6)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Ownership listed for Mr.&#160;Stallings includes 12,903 shares held jointly with, and 6,662 shares owned individualy by, his spouse.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(7)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Ownership listed for Ms.&#160;Warren includes 7,071 shares owned individually by Ms.&#160;Warren&#8217;s spouse.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH Non-Voting Common Stock<font style="font-style: normal;">. As of October&#160;18, 2022, all of the issued and outstanding shares of IFH </font><font style="font-style: normal;">non-voting common stock was held of record by McConnell Legacy Investments, LLC, PO Box 6219, Kinston, </font><font style="font-style: normal;">North Carolina. Mr.&#160;McConnell, IFH&#8217;s chairman of the board of directors, is managing member of this entity and </font><font style="font-style: normal;">possesses voting power over such shares.</font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">58<br></div></div></div>
<!--End Page 68-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 69-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tINTFIN"><!--Anchor--></a>INTEGRATED FINANCIAL HOLDINGS, INC.&#8217;S MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following presents discussion and analysis by the management of Integrated Financial Holdings, Inc. (&#8220;IFH&#8221;) of the financial condition and results of operations of IFH and should be read in conjunction with IFH&#8217;s consolidated financial statements and related notes included with this joint proxy statement/prospectus. In this section, the &#8220;Company,&#8221; &#8220;we,&#8221; and &#8220;our&#8221; refer to IFH, rather than MVB Financial Corp. Unless otherwise indicated, references herein to the Company or IFH, refer to the company on a consolidated basis. This discussion contains forward-looking statements that involve risks and uncertainties and such forward-looking statements are qualified in their entirety by the cautionary language set forth in the section entitled &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; beginning on page <a href="#tFLS">23</a>. Actual results could differ significantly from those anticipated in these forward-looking statements as a result of various factors including but not limited to many of the factors described more fully in the section entitled &#8220;Risk Factors&#8221; beginning on page <a href="#tRISKFAC">25</a>. The following discussion is intended to assist in understanding the financial condition and results of operations of IFH and its subsidiaries including West Town Bank and Windsor Advantage. For the purpose of this management&#8217;s discussion and analysis, balance sheet information has been expressed as period-end balances, unless otherwise noted, and loans have been disclosed net of unearned income.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Critical Accounting Policies and Estimates</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s consolidated financial statements that accompany this joint proxy statement/prospectus include the financial statements of the Company and its subsidiaries as of the dates of such financial statements. As of the relevant dates, the Company&#8217;s wholly owned subsidiaries included West Town Bank, Windsor Advantage, SBA Loan Documentation Services, LLC, Patriarch, LLC, and West Town Insurance Agency, Inc. West Town Bank also has an investment in West Town Payments, LLC. Due to the nature of the investment, West Town Payments, LLC is considered a variable interest entity, and as a result, is consolidated for accounting purposes. All significant intercompany balances and transactions have been eliminated in consolidation. Additional information regarding the Company&#8217;s business and its subsidiaries is included in the sections entitled &#8220;Information about the Companies&#8212;IFH&#8221; beginning on page <a href="#tIFH2">56</a> and in Note 1 of IFH&#8217;s Notes to Consolidated Financial Statements for the years ended December&#160;31, 2021 and 2020, that accompany this joint proxy statement/prospectus.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s accounting policies are fundamental to understanding management&#8217;s discussion and analysis of results of operations and financial condition. Many of the Company&#8217;s accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of specific accounting guidance. The following is a summary of some of the more subjective and complex accounting policies of the Company. A more complete description of the Company&#8217;s significant accounting policies can be found in Note 1 of IFH&#8217;s Notes to Consolidated Financial Statements for the years ended December&#160;31, 2021 and 2020. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The allowance for loan losses reflects management&#8217;s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio. West Town Bank periodically analyzes the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses. Our allowance consists of specific and general components. The specific component relates to loans that are impaired under GAAP. The general component covers non-impaired loans and is based on historical loss experience by type of loan adjusted for qualitative factors to adjust this historical experience for current events, trends, and conditions (including economic considerations). While management uses the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic or other conditions differ substantially from the assumptions used in making this estimate. Such adjustments to original estimates, as necessary, are made in the period in which these factors and other relevant considerations indicate that loss levels vary from previous estimates. Any material increase in the allowance for loan losses may adversely affect our financial condition and results of operations.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Overview</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s results of operations for the six months ended June&#160;30, 2022 was net income of $5.0&#160;million compared to $8.5&#160;million for the same period of 2021. Several factors contributed to the decrease period over period with the primary cause being a decrease in loan servicing and processing revenues from Windsor Advantage, which </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">59<br></div></div></div>
<!--End Page 69-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 70-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">decreased from $14.6&#160;million in the first six months of 2021 to $4.6&#160;million for the same period in 2022. That decline was directly attributable to a decrease in revenues associated with the SBA&#8217;s Paycheck Protection Program (&#8220;PPP&#8221;), which ended on May&#160;31, 2021 and was established in response to the pandemic. However, the 2022 revenue decrease was partially offset by a decrease in software-related expenses period over period, which went from $4.9&#160;million in the first six months of 2021 to $851,000 for the same period in 2022. The higher cost in 2021 was driven by the related PPP processing platform.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Net income for the year ended December&#160;31, 2021 was $12.7&#160;million compared to $8.9&#160;million for the year ended December&#160;31, 2020. The increase year over year was caused by several factors:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">net interest income increased by $1.8&#160;million or 12% year over year as a result of balance sheet growth;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the provision for loan losses decreased $2.5&#160;million or 56% during the same period as credit quality improved; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">non-interest income increased by $7.6&#160;million or 22% year over year driven by an increase in government lending revenues as the economy began to reopen after the easing of pandemic-related restrictions. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The increases in net interest income and non-interest income were partially offset by a $9.3&#160;million increase in non-interest expense year-over-year primarily as a result of a $4.6&#160;million increase in compensation costs tied to overall corporate growth and an increase in software costs of $3.2&#160;million as a result of the PPP software platform.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s total assets decreased from $452.9&#160;million as of December&#160;31, 2021 to $435.5&#160;million as of June&#160;30,&#160;2022. The decrease was a result of a decrease in borrowings as the Company repaid $7.5&#160;million in FHLB borrowings and experienced a decline in net deposits of $14.6&#160;million as a result of balance declines for several large customers due to merger and acquisition related activity. In addition, the balance sheet mix changed as the Company was able to redeploy a significant portion of its lower yielding interest-earning cash into $37.5&#160;million in net growth in the loan portfolio. Total assets increased $63.7&#160;million from $389.3&#160;million at December&#160;31, 2020 to $453.0&#160;million at December&#160;31, 2021 as a result of $47.3&#160;million growth in deposits primarily as a result of the Bank&#8217;s strategic decision to move into the Hemp banking market. During that period, net loan growth including both loans held for sale and loans held for investment was only $2.3&#160;million. However, interest-bearing deposits at other institutions increased $51.3&#160;million from $28.7&#160;million to $79.9&#160;million during the same period.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Results of Operations</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Net Interest Income</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">One primary source of revenue for IFH is net interest income, which for the six months ended June&#160;30,&#160;2022 was $10.4&#160;million, an increase of $2.4&#160;million or 31% over the same period of 2021. Net interest income for the year ended December&#160;31, 2021 was $16.3&#160;million compared to $14.5&#160;million for the year ended December&#160;31, 2020.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In response to changes in economic conditions initially caused by the pandemic, the Federal Reserve dropped rates significantly, by 150 basis points (&#8220;bps&#8221;), in early 2020. Later, to slow down the growth caused by various governmental programs implemented to deal with the pandemic, the Federal Reserve reversed those changes and increased the federal funds rate three times for a total of 150 bps by June&#160;30, 2022. The result was that loan yields and cost of deposits both experienced volatility over those periods. For the six months ended June&#160;30, 2022 yield on loans was 7.38%, compared to 6.34% for the prior year comparative period. The overall yield on earning assets was 6.24% for the first six months of 2022, compared to 5.21% for the same period of 2021. The cost of interest-bearing liabilities for the six months ended June&#160;30, 2022 was 0.86%, compared to 1.17% for the previous year. The result is that IFH&#8217;s net interest margin was 5.66% for the first six months of 2022, compared to 4.44% the previous year.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the year ended December&#160;31, 2021, IFH experienced a decrease in loan yields, from 6.89% in 2020 to 6.65% in 2021. The primary driver of this decrease was the initial rate decreases implemented by the Federal Reserve in early 2020. The cost of interest-bearing liabilities for the 2021&#160;year was 1.07%, compared to 1.69% for the previous year. The resulting net interest margin for the 2021&#160;year was 4.52%, compared to 5.00% in 2020.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">60<br></div></div></div>
<!--End Page 70-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 71-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The following table sets forth, for the periods indicated, information with regard to average balances of assets and liabilities, as well as the total dollar amounts of interest income from interest-earning assets and interest expense on interest-bearing liabilities, resultant yields or costs, net interest income, net interest spread, net interest margin and ratio of average interest-earning assets to average interest-bearing liabilities. Non-accrual loans and the allowance for loan losses have been included in determining net average loans and marketable equity securities have been excluded from investment securities and included in other assets.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 0.48%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" rowspan="2" style="width: 25.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">For the six-months ended June&#160;30,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" rowspan="2" style="width: 0.48%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 46.64%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">For the Years Ended December&#160;31,</div></td></tr><tr class="header"><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 22.84%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 22.84%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr class="header"><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(Dollars in thousands)</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount </div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Interest</div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate </div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount </div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Interest</div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount </div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Interest</div></td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.48%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans, net of allowance<font style="padding-left: 4.49pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;">$301,232</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;">$<font style="padding-left: 0.74pt;">11,114</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">7.38%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$277,508</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$18,457</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">6.65%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$253,846</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$17,486</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">6.89%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt;">20,488</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 17.5pt;">193</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">1.88%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">18,449</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">268</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">1.45%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">14,862</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">283</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">1.90%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Other interest-earnings assets<font style="padding-left: 4.18pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">44,843</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">131</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.58</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">65,618</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">188</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.29</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">20,818</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">185</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.89</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Total interest-earning assets<font style="font-weight: normal; padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">366,563</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 5.37pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">11,438</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">6.24</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">361,575</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">18,913</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">5.23</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">289,526</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">17,954</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">6.20</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other assets<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">71,504</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">65,294</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">65,630</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total assets<font style="font-weight: normal; padding-left: 2.88pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$438,067</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$426,869</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$355,156</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deposits:<br></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Interest-bearing checking accounts<font style="padding-left: 2.51pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;">$<font style="padding-left: 5.37pt;">11,850</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 22.5pt;">34</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">0.57%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">12,106</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">55</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.45%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">9,614</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">63</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.66%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Money markets<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt;">52,333</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 17.5pt;">123</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">0.47%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">40,045</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">191</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.48%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">28,724</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">282</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.98%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Savings<font style="padding-left: 0.84pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt;">13,005</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 22.5pt;">10</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">0.15%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10.37pt;">11,683</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">18</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.15%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">10,933</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">17</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">0.16%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Time deposits<font style="padding-left: 0.64pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 5pt;">162,581</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 17.5pt;">878</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;">1.08%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">171,817</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">2,312</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">1.35%</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">142,936</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">2,932</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">2.05%</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Borrowings<font style="padding-left: 0.29pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">7,466</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">24</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.64</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">4,914</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">4</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.08</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">13,141</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">182</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.38</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Total interest-bearing liabilities<font style="font-weight: normal; padding-left: 3.62pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">247,235</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,069</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.86</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">240,565</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,580</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.07</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">205,348</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">3,476</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.69</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest-bearing deposits<font style="padding-left: 1.92pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt;">95,798</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">101,833</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">72,709</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other liabilities<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 15pt;">4,453</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,357</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,683</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Shareholders equity<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">90,581</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10.37pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">83,114</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">72,416</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Total liabilities and shareholders equity<font style="font-weight: normal; padding-left: 2.7pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$438,067</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$426,869</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$355,156</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Net interest income/interest rate spread<font style="font-weight: normal; padding-left: 3.26pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$10,369</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">5.38</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$16,333</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">4.16</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$14,478</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">4.51</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net interest margin<font style="font-weight: normal; padding-left: 2.72pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">5.66</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">4.52</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">5.00</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 25.64%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Ratio of interest-bearing assets to interest-bearing liabilities<font style="font-weight: normal; padding-left: 3.62pt;"></font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.3pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">148.27</font><font style="min-width: 37.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">150.30</font><font style="min-width: 37.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">140.99</font><font style="min-width: 37.5pt;">%</font></div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.48%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">61<br></div></div></div>
<!--End Page 71-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 72-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Rate/Volume Analysis</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table analyzes the dollar amount of changes in interest income and interest expense for major components of interest-earning assets and interest-bearing liabilities. The table distinguishes between (i)&#160;changes attributable to volume (changes in volume multiplied by the prior period&#8217;s rate), (ii)&#160;changes attributable to rate (changes in rate multiplied by the prior period&#8217;s volume), and (iii)&#160;net change (the sum of the previous columns). The change attributable to both rate and volume (changes in rate multiplied by changes in volume) has been allocated equally to both the changes attributable to volume and the changes attributable to rate.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 29.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021 vs. 2022</div></td></tr><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 29.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Increase (Decrease) Due to</div></td></tr><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Volume</div></td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.14%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td colspan="7" style="width: 29.05%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; text-align: center;">(In thousands)</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest income<br></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans, net of allowance<font style="padding-left: 1.49pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$&#8195;1,630</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">(659)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">971</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Investment securities<font style="padding-left: 3.98pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">68</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">(83)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt;">(15)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other interest-earnings assets<font style="padding-left: 0.12pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">398</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(395</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest income (taxable-equivalent basis)<font style="padding-left: 1.39pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">2,096</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,137</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">959</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest expense<br></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deposits:<br></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing checking accounts<font style="padding-left: 3.45pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">16</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">(24)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt;">(8)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Money markets<font style="padding-left: 1.19pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 23.24pt;">111</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">(202)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt;">(91)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Savings<font style="padding-left: 2.84pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 32.5pt;">1</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Time deposits<font style="padding-left: 2.64pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">592</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">(1,212)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt;">(620)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Borrowings<font style="padding-left: 2.29pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.54pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(114</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(64</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(178</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total interest expense<font style="padding-left: 0.79pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">606</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,502</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(896</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net interest income increase<font style="padding-left: 3.45pt;"></font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">1,490</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 10.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">365</font></div></td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.14%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,855</font></div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Provision for Loan Losses </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s provision for loan losses totaled $640,000 for the six months ended June&#160;30, 2022 compared to $672,000 for the same period of 2021. Net recoveries for the six months ended June&#160;30, 2022 were $174,000 compared to net charge-offs of $181,000 for the same period in the previous year. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the year ended December&#160;31, 2021, IFH&#8217;s provision for loan losses totaled $1.9&#160;million compared to $4.5&#160;million for the year ended December&#160;31, 2020. Net charge-offs during 2021 totaled $1.5&#160;million compared to $3.2&#160;million in 2020. Charge-offs in 2020 were significantly amplified by the start of the pandemic and the impact it had on the hospitality industry. A large portion of the charge-offs for that year were in that industry. In addition, the increase to the provision reflected concerns over the direction of the economy also as a direct result of the pandemic. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">62<br></div></div></div>
<!--End Page 72-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 73-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The following table contains an analysis of our allowance for loan losses for the periods indicated:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.4%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six Months Ended <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.67%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.24%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.24%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance at beginning of period<font style="padding-left: 4.77pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;">$5,547</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;">$5,144</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$5,144</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$3,837</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">640</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">672</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,946</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">4,460</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans charged off<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">61</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">49</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">179</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">355</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,792</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial and industrial<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">402</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">12</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,248</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">331</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Consumer and other<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">15</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total charge-offs<font style="padding-left: 3.59pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">451</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">191</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,603</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3,199</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Recoveries of loans previously charged off<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">474</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial and industrial<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">151</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">10</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">60</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">45</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Consumer and other<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total recoveries<font style="padding-left: 2.68pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">625</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">10</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">60</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">46</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net chargeoffs (recoveries)<font style="padding-left: 1.82pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(174</font><font style="min-width: 27.5pt;">)</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">181</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,543</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3,153</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance end of period<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,361</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,635</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,547</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,144</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses to nonperforming loans<font style="padding-left: 2.58pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 12.5pt;">137%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 17.5pt;">98%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">81%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">60%</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses to end of period loans<font style="padding-left: 2.59pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 10pt;">1.95%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 10pt;">2.02%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1.93%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1.81%</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net charge-offs to average loans outstanding<font style="padding-left: 4.61pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 10pt;">0.05%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.24%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.86pt; text-align: left;"><font style="padding-left: 10pt;">0.06%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">0.55%</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1.22%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022, the allowance for loan losses totaled 1.95% of gross loans compared to 1.93% at December&#160;31, 2021 and 1.81% at December&#160;31, 2020.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022, the allowance to non-performing loans was 137%, a significant increase over the 81% at December&#160;31, 2021 and 60% at December&#160;31, 2020. The increase in the allowance as a percentage of nonperforming loans is due to the improvement of credit metrics and the resulting decrease in balance of non-performing loans.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Non-Interest Income</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">The following table summarizes our non-interest income for the periods indicated:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six Months Ended<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government loan servicing and processing revenue<font style="padding-left: 3.14pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">4,580</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$14,603</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$24,526</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$21,234</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Changes in fair vaue in marketable equity securities<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">5,994</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,998</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,998</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Mortgage revenue<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,239</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">3,479</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">6,106</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">6,789</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government lending revenue<font style="padding-left: 4.21pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">3,891</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">5,137</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">7,937</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">3,178</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA documentation preparation fees<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">272</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">675</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">992</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">704</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan servicing rights<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">185</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">480</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">537</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">98</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other noninterest income<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">900</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">764</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(967</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,503</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest income<font style="padding-left: 1.56pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$17,061</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$27,136</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$41,129</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$33,506</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Non-interest income decreased by $10.1&#160;million or 37% to $17.1&#160;million for the six months ended June&#160;30, 2022 from $27.1&#160;million in the six months ended June&#160;30, 2021. The decrease was primarily due to a $10.4&#160;million decrease in loan servicing and processing revenues directly attributable to a decrease in revenues associated with PPP. IFH also had a $4.0&#160;million increase in valuation adjustments related to the fair value of marketable equity securities held by the Company. In the first six months of 2021, IFH reported a $2.0&#160;million increase in these </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">63<br></div></div></div>
<!--End Page 73-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 74-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">securities compared to a $6.0&#160;million increase in the same period in 2022. That gain, however, was offset by a decline in mortgage revenues year over year of $2.2&#160;million or 64% as a result of increases in mortgage rates and the resulting slowdown in the refinance market and a decline in government lending revenue of $1.3&#160;million or 24% also as a result of higher interest rates.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Non-interest income increased by $7.6&#160;million or 23% to $41.1&#160;million for the year ended December&#160;31,&#160;2021 from $33.5&#160;million for the year ended December&#160;31, 2020. Loan servicing and processing revenues increased year over year by $3.3&#160;million as a result of a full year of PPP&#8212;related income. In addition, government lending revenue increased $4.8&#160;million as concerns over the impact of Covid declined allowing the lending markets to open back up. In addition, the Company had a $2.0&#160;million increase in the fair value of marketable equity securities held by the Company in 2021 and no such income in the prior year. These increases in year over year revenue were partially offset by a $2.5&#160;million decrease in other noninterest income which was the direct result of a $2.3&#160;million pre-tax loss in other noninterest income directly associated with $2.9&#160;million in tax credits entered into in the same year. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 16.5pt; margin-left: 0pt; text-align: left;">Non-Interest Expenses </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">The following table summarizes our non-interest expenses for the periods indicated:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six Months Ended <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year Ended <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 64.1%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.01%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Compensation<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$13,332</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$12,012</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$23,652</div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$19,016</div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Occupancy and equipment<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">598</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">603</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,181</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,042</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan related expenses<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">896</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">683</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,430</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">926</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Data processing expense<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">520</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">436</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">899</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">696</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Advertising expense<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">535</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">502</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,428</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">507</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Insurance expense<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">230</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">299</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">519</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">434</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Professional fees<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,042</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,342</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">2,817</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">2,259</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Software<font style="padding-left: 1.41pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">851</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">4,915</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">6,587</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">3,377</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Communications<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">180</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">197</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">396</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">348</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed asset expense, net<font style="padding-left: 2.28pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">233</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">955</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">822</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">1,800</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Directors fees<font style="padding-left: 0.87pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">351</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">195</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">721</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">657</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Intangible amortization expense<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">340</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">361</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">698</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">745</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other noninterest expense<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">896</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">776</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,399</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">1,491</font></div></td></tr><tr><td style="width: 64.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total noninterest expense<font style="padding-left: 3.79pt;"></font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,004</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$23,276</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$42,549</font></div></td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.01%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$33,298</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Total non-interest expense totaled $20.0&#160;million for the six months ended June&#160;30, 2022, a decrease of $3.3&#160;million or 14% over the $23.3&#160;million for the six months ended June&#160;30, 2021. The primary reason for the decrease is a $4.1&#160;million decrease in software-related expenses driven by reduced costs in the related PPP processing platform as PPP lending stopped in 2021. In addition, foreclosed asset expenses decreased by $722,000 or 76% as the Company shed its last parcel of foreclosed property in March 2022. Those decreases during the first six months of 2022 were partially offset by an increase of $1.3&#160;million or 11% in compensation associated with the growth of the Company.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Non-interest expense for the year ended December&#160;31, 2021 totaled $42.5&#160;million, an increase of $9.6&#160;million or 28% over the year ended December&#160;31, 2020. Compensation costs increased $4.6&#160;million or 24% as a result of additional staff needed to process and service PPP loans. In addition, software related expenses associated with the PPP platform increased $3.2&#160;million or 95% year over year. Those increases were partially offset by a decrease in foreclosed asset expenses which declined $978,000 or 54% as IFH experienced a decrease in foreclosed property balances from a high of $5.2&#160;million in the first quarter of 2020 to a low of $618,000 by the end of 2021. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 16.5pt; margin-left: 0pt; text-align: left;">Provision for Income Taxes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s tax expense for the six months ended June&#160;30, 2022 was $1.9&#160;million compared to $2.9&#160;million the six months ended June&#160;30, 2021, a decrease of $1.0&#160;million or 37%. The effective tax rate was 27.9% for the first </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">64<br></div></div></div>
<!--End Page 74-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 75-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">six months of 2022 compared to 26.1% for the same period of 2021. The moderate increase in the effective tax rate period over period reflects a change in the mix of apportionment of taxable income to different states in those periods and their related state tax rates. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s tax expense for the year ended December&#160;31, 2021 was $867,000 compared to $1.5&#160;million for the year ended December&#160;31, 2020. The effective tax rates were 6.7% and 14.8%, for 2021 and 2020, respectively. The effective tax rates on both years were significantly impacted by tax credits entered into in those years. The Company had tax credits totaling $2.9&#160;million and $1.4&#160;million for 2021 and 2020, respectively.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Financial Condition</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Overview</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s total assets were $435.4&#160;million as of June&#160;30, 2022 compared to $452.8&#160;million as of December&#160;31,&#160;2021 and $389.2&#160;million as of December&#160;31, 2020. The decrease from December&#160;31, 2021 to June&#160;30, 2022 was the result of a decrease in borrowings as the Company repaid $7.5&#160;million in FHLB borrowings and experienced a decline in net deposits of $14.6&#160;million as a result of balance declines for several large customers due to merger and acquisition related activity. Total assets increased $63.7&#160;million from December&#160;31, 2020 to December&#160;31, 2021 as a result of $47.3&#160;million in growth in deposits primarily as a result of the Bank&#8217;s strategic decision to move into the Hemp banking market. IFH had minimal net loan growth during that period, primarily due to overall concerns around the pandemic, but instead increased our interest-bearing deposits at other institutions by $51.3&#160;million. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Investment Securities</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH uses its investment portfolio as a contingent source of liquidity if needed, to collateralize certain public deposits and to meet is Community Reinvestment Act (&#8220;CRA&#8221;) goals. The composition of the portfolio is designed to minimize risk, generate cash flow and provide an acceptable return. The portfolio consists of obligations of the United States and its agencies. Since one of the purposes of the investment portfolio is to be a backup source of liquidity, all of the securities are classified as available-for-sale.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following is a summary of the securities portfolio by major classification at June&#160;30, 2022, December&#160;31, 2021, and December&#160;31, 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses </div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value </div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">187</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 17.5pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">190</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">20,883</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt;">1</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 5pt;">2,514</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">18,370</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">481</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$21,551</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">4</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,517</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$19,038</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,992</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$17,982</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">243</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 10pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">246</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">20,007</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">192</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">323</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">19,876</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">546</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 20pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,796</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$198</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$323</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,671</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">65<br></div></div></div>
<!--End Page 75-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 76-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$9,990</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,998</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.08pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$11,988</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">345</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 10pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">348</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">14,157</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">384</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="padding-left: 5pt;">23</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">14,518</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">853</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 20pt;">2</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">855</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,355</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$389</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$23</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,721</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables show gross unrealized losses and fair values of investment securities, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at June&#160;30, 2022, December&#160;31, 2021 and December&#160;31, 2020. The unrealized losses relate to debt securities that have incurred fair value reductions due to higher market interest rates and other prevailing market conditions, such as liquidity, since the securities were purchased. The unrealized losses are not likely to reverse unless and until the market changes revert to the conditions and levels that existed when the securities were purchased.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.24pt; text-align: left;">$14,777</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.62pt; text-align: left;">$1,793</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;">$3,539</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.49pt; text-align: left;">$721</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;">$18,316</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$2,514</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored collateralized mortgage obligations<font style="padding-left: 4.96pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.24pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.62pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.49pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.24pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,255</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.62pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,796</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,539</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.49pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$721</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$18,794</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,517</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value </div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.42pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.13pt;">$11,865</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.37pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$230</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$2,548</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$93</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$14,413</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$323</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.42pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$11,865</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$230</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,548</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$93</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$14,413</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$323</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.74pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.87pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$23</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.1pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$23</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.74pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.87pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$23</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.1pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$23</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">66<br></div></div></div>
<!--End Page 76-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 77-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Loans Held for Investment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">The following table describes the Company&#8217;s loans held for investment composition by category: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 2.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" rowspan="2" style="width: 15.87%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" rowspan="2" style="width: 2.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 36.38%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.87%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.87%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$155,931</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">59%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$143,182</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">56%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$144,878</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">55%</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Real Estate:<br></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">75,709</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">29%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">30%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">81,591</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">30%</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">32,855</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">12%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">14%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">38,913</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">15%</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 1.4pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">57</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 15pt;">0</font><font style="min-width: 15pt;">%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 15pt;">0</font><font style="min-width: 15pt;">%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">159</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 15pt;">0</font><font style="min-width: 15pt;">%</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total gross loans<font style="padding-left: 3.22pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">264,552</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">100</font><font style="min-width: 15pt;">%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">257,716</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">100</font><font style="min-width: 15pt;">%</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">265,541</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">100</font><font style="min-width: 15pt;">%</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net deferred loan costs<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,707</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,909</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,729</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(6,361</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,547</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,144</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment, net<font style="padding-left: 2.27pt;"></font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$259,898</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$254,078</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$262,126</font></div></td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the first six months of 2022, gross loans held for investment increased by $6.8&#160;million, or 3%. The increase in loans during the year is primarily attributable to new loan originations driven by demand in the Company&#8217;s market areas and a reopening of the markets as the effects of the pandemic began to decrease. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During 2021, loans receivable decreased by $7.8&#160;million, or 3%. The decrease in loans during the year is primarily attributable to a general slowdown in lending throughout the country due to concerns over the pandemic.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Asset Quality</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">The following table summarizes the IFH&#8217;s nonperforming assets as of the dates indicated: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 2.4%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" rowspan="2" style="width: 2.4%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 20.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Nonaccrual loans<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">4,656</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">6,848</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">8,506</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed assets<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">618</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,372</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan 90 days past due still accruing<font style="padding-left: 1.67pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total nonperforming assets<font style="padding-left: 0.13pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">4,656</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">7,466</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">10,878</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total loans held for investment, gross<font style="padding-left: 0.98pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$264,552</div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$257,716</div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$264,541</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Nonaccrual loans to toal loans<font style="padding-left: 1.11pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 20pt;">1.76%</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 20pt;">2.90%</font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 20.37pt;">4.11%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Non-performing assets (non-accrual loans, other real estate owned, and 90+ days past due loans) (&#8220;NPAs&#8221;) totaled 1.07% of total assets as of June&#160;30, 2022. At December&#160;31, 2021, NPAs were 1.65% of total assets, and as of December&#160;31, 2020, NPAs were 2.74% of total assets.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Deposits</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Deposits gathered from clients represent the primary source of funding for the Company&#8217;s lending activities. Commercial and private banking deposit services include non-interest and interest-bearing checking accounts, money market accounts, and to a limited extent, IRAs and certificates of deposit, or CDs. Interest rates for each account type are set by the Company within the context of marketplace factors, current deposit needs, and a keen awareness of maintaining a strong margin.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s primary focus is on establishing long-term client relationships to attract core deposits. However, the Company may use non-reciprocal brokered deposits to supplement its core deposits. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">67<br></div></div></div>
<!--End Page 77-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 78-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The following table describes the Company&#8217;s average deposit composition and weighted average rate by category for the periods indicated: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.61%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" rowspan="2" style="width: 18.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Six-month period<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td><td class="gutter" rowspan="2" style="width: 1.61%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td colspan="10" style="width: 39.52%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Year ended December&#160;31,</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.61%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest-bearing checking<font style="padding-left: 2.77pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 5.37pt;">11,850</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.57%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 5pt;">12,106</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.46%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 10pt;">9,614</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.66%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Money markets<font style="padding-left: 2.19pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">52,333</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.47%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">40,045</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.48%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">28,724</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.98%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Savings accounts<font style="padding-left: 0.52pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">13,005</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.16%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10.37pt;">11,683</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.16%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">10,933</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.16%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Time deposits<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">162,581</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.08</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">171,817</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.35</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">142,936</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">2.05</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total nonmaturity deposits<font style="padding-left: 1.78pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">239,769</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.87%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">235,651</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.09%</div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">192,207</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.71%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Non-interest bearing<font style="padding-left: 2.2pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">95,798</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.00</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">101,833</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.00</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">72,709</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.00</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total deposits<font style="padding-left: 3.99pt;"></font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$335,567</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">0.62</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$337,484</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">0.76</font><font style="min-width: 17.5pt;">%</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$264,916</font></div></td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.61%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">1.24</font><font style="min-width: 17.5pt;">%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Deposits exceed the FDIC insured limits by the following amounts as of the dates indicated: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 240pt; margin-left: 60pt;"><tr class="header"><td style="width: 30%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 4.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 13.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" rowspan="2" style="width: 4.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 4.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 36.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 30%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 4.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 4.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 4.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr class="header"><td style="width: 30%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td colspan="7" style="width: 60.21%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; text-align: center;">(in thousands)</div></td></tr><tr><td style="width: 30%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.54%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$53,688</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.54%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$88,966</div></td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 4.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.54%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$50,839</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The maturities and weighted average cost of funds for time deposits, other than brokered CDs, at June&#160;30,&#160;2022 are as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 82.05%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.75%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Three months or less<font style="padding-left: 0.43pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 5pt;">28,908</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.90%</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over three through six months<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">21,999</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.88%</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over six months through twelve months<font style="padding-left: 1.55pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">25,698</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.66%</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over twelve months through twenty-four months<font style="padding-left: 1.01pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">19,182</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.18%</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over twnety-four months<font style="padding-left: 3.2pt;"></font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10.37pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">13,511</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">1.92</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$109,298</font></div></td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.75%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">1.02</font><font style="min-width: 17.5pt;">%</font></div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Brokered Certificates of Deposit</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH utilizes brokered certificates of deposit as a tool for overall balance sheet management. As the Company&#8217;s growth in loans, and specifically loans held for sale, have outpaced its core deposit growth, management used brokered certificates of deposit as a funding strategy for a portion of those loans.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The maturities and weighted average cost of funds for brokered CDs at June&#160;30, 2022 are as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Rate</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Three months or less<font style="padding-left: 3.43pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$10,000</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.00%</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over three through six months<font style="padding-left: 3.99pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">25,000</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.59%</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over six months through twelve months<font style="padding-left: 4.55pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">0.00%</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over twelve months through twenty-four months<font style="padding-left: 4.01pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">15,000</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;">1.28%</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Over twnety-four months<font style="padding-left: 1.2pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">20,245</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">0.49</font><font style="min-width: 17.5pt;">%</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$70,245</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">1.12</font><font style="min-width: 17.5pt;">%</font></div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15.5pt; margin-left: 0pt; text-align: left;">Capital Resources</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of the most recent regulatory examination, West Town Bank was deemed well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, West Town Bank must </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">68<br></div></div></div>
<!--End Page 78-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 79-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">maintain total risk-based, tier 1 risk-based, common equity tier 1, and tier 1 leverage ratios as set forth in the table below. There are no conditions or events that management believes have changed West Town Bank&#8217;s status as a well-capitalized institution. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table summarizes the capital amounts and ratios of West Town Bank and the regulatory minimum requirements at June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$51,706</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">16.78%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$32,351</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$<font style="padding-left: 0.37pt;">30,811</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.52%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">26,189</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">24,648</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.22%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">21,567</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">20,027</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.19%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">15,688</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">19,610</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$49,418</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">17.17%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$30,221</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$28,782</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">24,465</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">23,026</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">20,147</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">18,708</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 0.37pt;">11.46%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">15,982</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">19,978</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$37,888</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">13.30%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$29,912</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$28,488</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.04%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">24,214</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">22,790</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.04%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">19,941</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">18,517</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">10.06%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">13,645</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">17,056</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">West Town Bank is subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate certain regulatory action that could have a direct material effect on the financial statements. Prompt corrective action provisions are not applicable to bank holding companies. The final rules implementing Basel Committee on Banking Supervision&#8217;s capital guidelines for U.S banks (Basel III rules) became effective for West Town Bank on January&#160;1, 2015 with full compliance with all of the requirements phased in over a multi-year schedule and fully phased in by January&#160;1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes the Bank meets all capital adequacy requirements to which it was subject as of June&#160;30, 2022 and December&#160;31, 2021.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Basel III Capital Rules require West Town Bank to maintain (i)&#160;a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5% plus a 2.5% &#8220;capital conservation buffer&#8221; which effectively results in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0%, (ii)&#160;a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer which effectively results in a minimum Tier 1 capital ratio of 8.5%, (iii)&#160;a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least 8.0%, plus the capital conservation buffer which effectively results in a minimum total capital ratio of 10.5% and (iv)&#160;a minimum leverage ratio of 4.0%, calculated as the ratio of Tier 1 capital to average quarterly assets.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">69<br></div></div></div>
<!--End Page 79-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 80-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">IFH&#8217;s shareholders&#8217; equity was $92.5&#160;million at June&#160;30, 2022. It has increased $4.0&#160;million from $88.6&#160;million at December&#160;31, 2021 due to its net income. However, the Company&#8217;s available for sale investment portfolio depreciated in value, after tax, during the six months ended June&#160;30, 2022 by $1.9&#160;million.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Borrowings and Liquidity</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of June&#160;30, 2022, IFH had unsecured lines of credit totaling $18.5&#160;million with correspondent banks to provide additional liquidity, if and as needed. There were no outstanding borrowings on these lines at June&#160;30,&#160;2022. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH also has a line of credit to borrow funds from the Federal Home Loan Bank for up to approximately $64.1&#160;million. As of June&#160;30, 2022 there were no outstanding borrowings on the line. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has access to short term funds through the Federal Reserve Discount Window, under which approximately $21,000 of additional liquidity was available as of June&#160;30, 2022. Discount window advances are typically overnight; as of June&#160;30, 2022, there were no outstanding borrowings on this line.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Effects of Inflation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Interest rates are affected by inflation, but the timing and magnitude of changes in rates may not coincide with changes in the consumer price index. Management actively monitors interest rate sensitivity in order to minimize the effects of inflationary trends on operations. Other areas of non-interest expense may be more directly affected by inflation as several of our material contracts such as leases and our data processing contract have price increase limits tied to the consumer price index. Since IFH&#8217;s assets and liabilities are primarily monetary in nature, their performance is more affected by changes in interest rates than by inflation. Interest rates generally increase as the rate of inflation increases, but the magnitude of the changes in rates may not necessarily be the same.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">While the effect of inflation on a financial institution is normally not as significant as is its influence on those businesses which have large investments in plant and inventories, it does have an effect. During periods of high inflation, there are normally corresponding increases in the money supply, and financial institutions will normally experience above average growth in assets, primarily through increased lending activity.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Commitments and Contingencies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. There is no allowance for loan losses on unfunded commitments.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The contractual amounts of financial instruments with off-balance-sheet risk were as follows as of the dates indicated:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" rowspan="2" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 16.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 71.79%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commitments to make loans and unused lines of credit <font style="padding-left: 3.58pt;"></font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$40,240</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$18,231</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$15,555</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the course of ordinary business, the Company is, from time to time, named a party to legal actions and proceedings, primarily related to collection of loans and foreclosed assets. See &#8220;Information about the Companies&#8212;IFH&#8212;Legal Proceedings&#8221; beginning on page <a href="#tIFH3">57</a> for additional discussion on IFH&#8217;s material legal proceedings. In accordance with generally accepted accounting principles, the Company establishes reserves for litigation and regulatory matters when those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, the Company does not establish reserves. There was no reserve for litigation as of June&#160;30, 2022 or December&#160;31, 2021. See Note 14 to IFH&#8217;s Unaudited Interim Consolidated Financial Statements that accompany this joint proxy statement/prospectus for a discussion of a $10.0&#160;million liability and expense established following the close of the June&#160;30, 2022, fiscal quarter for estimated settlement costs associated with ongoing litigation of West Town Bank. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">70<br></div></div></div>
<!--End Page 80-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 81-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_115-mda_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Quantitative and Qualitative Disclosures about Market Risk </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Management and the board of directors are responsible for managing interest rate risk and employing risk management policies that monitor and limit this exposure. Interest rate risk is measured using net interest income simulations and market value of portfolio equity analyses. These analyses use various assumptions, including the nature and timing of interest rate changes, yield curve shape, prepayments on loans and securities, deposit decay rates, pricing decisions on loans and deposits, and reinvestment/replacement of asset and liability cash flows.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The principal objective of the Company&#8217;s asset and liability management function is to evaluate the interest rate risk within the balance sheet and pursue a controlled assumption of interest rate risk while maximizing earnings and preserving adequate levels of liquidity and capital. The asset and liability management function is under the guidance of the Board of Directors Asset/Liability Committee (&#8220;Board ALCO&#8221;). Board ALCO reviews modeling performed by a third party of the impact on net interest income and economic value of equity of rate changes in various scenarios as well as the impact of strategies put into place to mitigate interest rate risk. Instantaneous parallel rate shift scenarios are modeled and utilized to evaluate risk and establish exposure limits for acceptable changes in net interest margin. These scenarios, known as rate shocks, simulate an instantaneous change in interest rates and use various assumptions, including, but not limited to, prepayments on loans and securities, deposit decay rates, pricing decisions on loans and deposits, reinvestment and replacement of asset and liability cash flows.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company also analyzes the economic value of equity as a secondary measure of interest rate risk. This is a complementary measure to net interest income where the calculated value is the result of the market value of assets less the market value of liabilities. The economic value of equity is a longer-term view of interest rate risk because it measures the present value of the future cash flows. The impact of changes in interest rates on this calculation is analyzed for the risk to its future earnings and is used in conjunction with the analyses on net interest income.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s interest rate risk model indicated that the Company was asset sensitive in terms of interest rate sensitivity at July&#160;31, 2022. The table below illustrates the impact in year one of an immediate and sustained 100 and 200 basis point increase and decrease in interest rates on net interest income based on the interest rate risk model at July&#160;31, 2022, January&#160;31, 2022, and July&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td rowspan="3" style="width: 46.15%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Hypothetical<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">shift in interest<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">rates (in bps)</div></td><td class="gutter" rowspan="3" style="width: 1.16%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 51.52%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Estimated Resulting Theoretical Net Interest Income</div></td></tr><tr class="header"><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">July&#160;31, 2022</div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">January&#160;31, 2022</div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">July&#160;31, 2021</div></td></tr><tr class="header"><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount% </div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Change</div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount% </div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Change</div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount%</div></td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.16%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Change</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; text-align: center;">(dollars in thousands)</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">200</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;">$17,764</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.37pt; text-align: left;"><font style="padding-left: 2.96pt;">15.40%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;">$14,859</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 3.33pt;">23.80%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;">$13,131</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 3.33pt;">23.09%</font></div></td></tr><tr><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">100</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">16,541</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.37pt; text-align: left;"><font style="padding-left: 7.96pt;">7.45%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">13,395</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 3.7pt;">11.60%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5.37pt;">11,988</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 3.33pt;">12.37%</font></div></td></tr><tr><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">0</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">15,394</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.37pt; text-align: left;"><font style="padding-left: 7.96pt;">0.00%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">12,003</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 8.33pt;">0.00%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">10,668</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 8.33pt;">0.00%</font></div></td></tr><tr><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(100)</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">14,253</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.37pt; text-align: left;"><font style="padding-left: 4.63pt;">-7.41%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5.37pt;">11,159</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 5pt;">-7.03%</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 10pt;">9,928</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;"><font style="padding-left: 5pt;">-6.94%</font></div></td></tr><tr><td style="width: 46.15%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">(200)</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">13,551</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.37pt; text-align: left;">-11.97%</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 5pt;">10,175</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;">-15.23%</div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.74pt; text-align: left;"><font style="padding-left: 10pt;">9,568</font></div></td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.16%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.19pt; text-align: left;">-10.32%</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Many assumptions are used to calculate the impact of interest rate fluctuations. Actual results may be significantly different than our projections due to several factors, including the timing and frequency of rate changes, market conditions and the shape of the yield curve. The computations of interest rate risk shown above do not include actions that management may undertake to manage the risks in response to anticipated changes in interest rates and actual results may also differ due to any actions taken in response to the changing rates.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">71<br></div></div></div>
<!--End Page 81-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 82-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tTHEMERGER"><!--Anchor--></a>THE MERGER</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">This section of the joint proxy statement/prospectus describes material aspects of the merger. This summary may not contain all of the information that is important to you. You should carefully read this entire joint proxy statement/prospectus and the other documents we refer you to for a more complete understanding of the merger. In addition, we incorporate important business and financial information about each of us into this document by reference. You may obtain the information incorporated by reference into this document without charge by following the instructions in the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page&#160;<a href="#tWYCMI">152</a>.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;"><a name="tTOTME"><!--Anchor--></a>Terms of the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each of MVB&#8217;s and IFH&#8217;s respective board of directors has approved the merger agreement. The merger agreement provides that, pursuant to the terms and subject to the conditions set forth in the merger agreement, MVB and IFH will merge, with MVB as the surviving corporation, which is referred to as the merger. Following the merger, MVB Bank and West Town Bank will merge, with MVB Bank as the surviving bank, which is referred to as the bank merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each share of IFH common stock issued and outstanding immediately prior to the effective time, except for shares of IFH common stock owned by IFH as treasury stock or owned by IFH or MVB or a subsidiary of either (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and except for shares for which appraisal rights have been exercised, will be converted into the right to receive 1.21 shares of MVB common stock. IFH shareholders who would otherwise be entitled to a fraction of a share of MVB common stock in the merger will instead receive an amount in cash (rounded to the nearest cent) determined by multiplying the average of the daily closing-sale price per share of MVB common stock on NASDAQ, as reported by THE WALL STREET JOURNAL, for the consecutive period of five (5) full trading days ending on the day preceding the closing date by the fraction of a share (rounded to the nearest thousandth when expressed in decimal form) of MVB common stock that such shareholder would otherwise be entitled to receive.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If IFH provides notice of its intention to terminate the merger agreement as a result of certain changes in the trading price of MVB common stock relative to MVB&#8217;s historic price and the price of the NASDAQ Bank Index, MVB may elect to reinstate the merger agreement by adjusting the exchange ratio to increase the stock consideration (or MVB may make up such difference in cash).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders are being asked to approve the MVB merger proposal and IFH shareholders are being asked to approve the IFH merger proposal. See the section entitled &#8220;The Merger Agreement&#8221; beginning on page <a href="#tTMAG">115</a> for additional and more detailed information regarding the legal documents that govern the merger, including information about the conditions to the completion of the merger and the provisions for terminating or amending the merger agreement.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tBACKM"><!--Anchor--></a>Background of the Merger </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As part of the ongoing oversight and management of their respective companies, each of MVB&#8217;s and IFH&#8217;s board of directors (which we refer to in this section as the &#8220;MVB board&#8221; and the &#8220;IFH board,&#8221; respectively) and MVB&#8217;s and IFH&#8217;s senior management regularly review and assess their respective business strategies and objectives, including assessments of potentially available strategic growth and strategic combination opportunities. For each company, these reviews have included periodic discussions with respect to strategic alternatives, including potential business combinations, acquisitions, dispositions, and strategic investments. As part of its strategy, from time to time, each of MVB and IFH has acquired other financial institutions and nonbank companies, as well as specific assets of other financial institutions, to achieve their respective strategic goals. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board, as well as members of MVB&#8217;s senior management, regularly meet with representatives of various financial advisory firms experienced in the financial services industry to discuss, among other things, market conditions, industry trends, MVB&#8217;s performance, potential strategic combinations and other opportunities. Moreover, from time to time, Larry F. Mazza, Chief Executive Officer of MVB, and Donald T. Robinson, President of MVB, have engaged in discussions with executive officers of other financial services companies, including with respect to potential strategic combinations and sale opportunities that may be available to enhance value for MVB and its shareholders. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">72<br></div></div></div>
<!--End Page 82-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 83-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">As part of its strategic plan, MVB has identified government guaranteed lending, specifically Small Business Administration (&#8220;SBA&#8221;) lending, as one of its key growth vehicles. Throughout 2022, management met with investment banking partners with a focus on identifying both bank and non-bank partners with expertise in governmental lending, including SBA and United States Department of Agriculture (&#8220;USDA&#8221;) lending, that could enhance the government guaranteed lending growth vehicle. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB also routinely receives assistance from Stephens, Inc. (&#8220;Stephens&#8221;) and Squire Patton Boggs (US) LLP (&#8220;Squire Patton Boggs&#8221;) in connection with preliminary discussions and MVB&#8217;s consideration of the financial, legal and regulatory implications of potential business combinations and similar transactions. MVB engaged Stephens as its financial advisor and Squire Patton Boggs as its outside legal counsel, in connection with a potential transaction involving MVB and IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Similarly, throughout its history, IFH has had informal discussions from time-to-time with other financial institutions regarding potential strategic transactions and would periodically have dialogue with, and receive presentations from, financial advisory firms to inform IFH&#8217;s strategic initiatives. Over the last several years, IFH has completed a number of strategic transactions, as it sought to increase shareholder value through acquisition, investment and divestiture activities. For example, in February 2017, it acquired a 43.5% ownership interest in Windsor Advantage, LLC (&#8220;Windsor Advantage&#8221;), a loan service provider specializing in packaging, servicing and liquidating government guaranteed loans. IFH ultimately purchased 100% control of Windsor Advantage in April 2018 and retains Windsor Advantage as a wholly owned subsidiary today. Additionally, on August&#160;31, 2017, IFH acquired Sound Banking Company, Morehead City, North Carolina, and became a multi-bank holding company. IFH subsequently divested itself of its controlling interest in Sound Banking Company in May 2019, but retains a less than 10% ownership in the institution, which was renamed Dogwood State Bank. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">More recently, as Paycheck Protection Program (&#8220;PPP&#8221;) activity subsided and the financial markets recovered from their 2020 declines, the IFH board and management engaged in thorough strategic planning activities during the latter half of 2021. These board meetings and related discussions involved IFH management&#8217;s presentation of a three-year strategic transformation and business plan update, which included a scenario where IFH would hold on-balance sheet a larger percentage of its government-guaranteed loans originated. The goal of this approach would be to increase its balance sheet size and produce a more predictable source of recurring interest income. The IFH board and management saw advantages to the larger asset size, including with respect to the higher trading multiples at which stocks of larger institution have historically been valued, but also understood it could come at a cost of reduced profitability and return on equity in the near term and would likely necessitate additional capital to support the larger asset size.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During the Fall 2021 time period, IFH management also continued to actively participate in industry events, such as the U.S. Bank Investor conference sponsored by Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;). IFH management would, from time-to-time, have discussions with financial advisory firms active in the financial services space to understand the changing merger-and-acquisition landscape and gain insight on how financial institutions were being valued in the post-pandemic markets, particularly given the rise in valuations for non-bank fintech providers. In October 2021, IFH President and Chief Executive Officer, Eric J. Bergevin, was introduced to the principals of a private, non-bank company focused on SBA lending and related technology solutions, which we refer to as Fintech A. IFH&#8217;s subsidiary, Windsor Advantage, was familiar with Fintech A due to both entities&#8217; involvement in SBA lending and some common customers, which led to the introduction. Shortly after the introduction, IFH and Fintech A began preliminary discussions on the merits of a potential business combination transaction. At an IFH board meeting held on December&#160;15, 2021, Mr. Bergevin updated the IFH board on the preliminary discussions with Fintech A. Subsequently, on December&#160;16, 2021, IFH engaged a financial advisor to assist it in the evaluation of a potential business combination with Fintech A. Over the next two months, IFH, with the assistance of Raymond James, engaged in diligence and prospective modeling of a potential business combination with Fintech A to determine if such a combination could enhance shareholder value. The potential transaction was being modeled as an all-stock transaction, with Fintech A becoming part of IFH. Mr.&#160;Bergevin kept the IFH board updated on the status of preliminary modeling with Fintech A at subsequent IFH board meetings held in January and February 2022. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">While IFH was continuing to evaluate a potential business combination with Fintech A, on March&#160;3, 2022, Mr.&#160;Bergevin first met with Mr.&#160;Robinson in Raleigh, North Carolina following an introduction made by </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">73<br></div></div></div>
<!--End Page 83-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 84-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">representatives of Raymond James. Mr.&#160;Robinson and Mr.&#160;Bergevin spent time discussing the background of their respective organizations and the strategic plans and growth opportunities of each entity. Each of the parties came away from the meeting with the belief that their respective organizations shared many of the same philosophies and strategies. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During March of 2022, it became apparent that IFH and Fintech A were too far apart on their respective perceived valuations of Fintech A to merit any continuing discussions. In its financial diligence, IFH management could not find support for the projections and modeling being put forth by the representatives of Fintech A, which created significant doubt for IFH management regarding the proposed valuation of Fintech A. At the IFH board meeting held on March&#160;17, 2022, IFH management presented a non-binding letter of intent that Fintech A had prepared, which IFH management recommended be rejected based on the valuation Fintech A had assigned to itself in the letter of intent. After discussion of the perceived merits of any further discussions with Fintech A, the IFH board determined not to counter any proposed terms with Fintech A and no further material discussions were had between IFH and Fintech A.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the afternoon of March&#160;3, 2022, shortly after his meeting with Mr.&#160;Bergevin, Mr.&#160;Robinson informed Raymond James of MVB&#8217;s desire to continue conversations regarding a possible business combination with IFH given the alignment of the respective organizations&#8217; business models. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH subsequently engaged its outside legal counsel, Wyrick Robbins Yates &amp; Ponton LLP (&#8220;Wyrick&#8221;), to assist in the review of a mutual nondisclosure agreement with MVB and to more generally advise IFH in connection with these preliminary discussions and its consideration of a possible business combination. On March&#160;17, 2022, MVB and IFH executed a mutual nondisclosure agreement to facilitate the sharing of information among the parties and further discussions regarding a possible business combination. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On March&#160;22, 2022, an in-person meeting in Raleigh, NC was held between management team members of IFH, representatives of Raymond James, and management team members of MVB. In attendance for MVB at the meeting were Mr.&#160;Robinson and Mr.&#160;Mazza, while attending for IFH were Mr.&#160;Bergevin, Mr.&#160;Michael Breckheimer (EVP/Chief Strategy Officer), and Mr.&#160;A. Riddick Skinner (EVP/Government Guaranteed Lending). The primary focus of this meeting was for each group to continue to deepen their understanding of each other&#8217;s respective organization. The group discussed IFH&#8217;s strategic plan for its USDA lending platform and its SBA lending team. Similarly, the group also discussed MVB&#8217;s core values and business strategies, as outlined by Mr.&#160;Mazza. Both MVB and IFH acknowledged the potential synergies between the organizations and the benefits of sharing more information. Following the meeting, a virtual data room was opened on March&#160;23, 2022, to facilitate the sharing of non-public information between MVB and IFH. After this meeting, MVB reached out to Stephens to inquire about formally retaining its investment banking services in connection with a potential combination with IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In late March of 2022, Mr.&#160;Robinson met with another financial institution and one non-bank entity, each in the government guaranteed lending space. Additionally, MVB reviewed materials related to another financial institution that was involved in government guaranteed lending, which was subsequently sold in an auction process. Ultimately, MVB determined that none of these three organizations had a strong enough strategic alignment with MVB and, therefore, MVB elected not to pursue any of these opportunities past the initial discussion phases. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On April&#160;2, 2022, Mr.&#160;Robinson, Mr.&#160;Mazza and Mr.&#160;Brad Greathouse, MVB&#8217;s Chief Administration Officer, met with Mr.&#160;Bergevin, Mr.&#160;Skinner, Mr.&#160;Breckheimer and Melissa Marsal, IFH&#8217;s Executive Vice President and Chief Operating Officer, to review a potentially combined organization and the combined organization&#8217;s lending structure, impact to funding and growth opportunities. Additionally, Ms.&#160;Marsal provided an overview of IFH&#8217;s cannabis and hemp lines of business with MVB indicating that it would continue to analyze such lines of business. The respective management teams further discussed synergies and IT systems. Steven E. Crouse, Chief Financial Officer of IFH, joined this meeting via telephone. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH signed an engagement letter with Raymond James on April&#160;8, 2022, to serve as its exclusive financial advisor with respect to a potential business combination with MVB.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">74<br></div></div></div>
<!--End Page 84-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 85-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">From April&#160;11, 2022 through April, 12, 2022, Mr.&#160;Robinson, Mr.&#160;Mazza and Mr.&#160;Jamie Nalls, MVB&#8217;s President of CoRe Banking, met offsite with Mr.&#160;Bergevin and Mr.&#160;Breckheimer to review IFH&#8217;s government guaranteed lending business structure and the operations of Windsor Advantage. The group also discussed the cultural fit of their respective organizations and further discussed respective business and integration strategies.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On April&#160;28, 2022, at a meeting of IFH&#8217;s board of directors, representatives of Raymond James presented to the IFH board, providing a general update on financial institution stocks, recent merger-and-acquisition activity and industry valuations, and providing an overview of MVB&#8217;s organization. IFH management, its board of directors, and the Raymond James representatives engaged in a thorough discussion of the materials presented, including the prospective merits of a transaction with MVB with respect to long-term shareholder value, likely transaction structure, and anticipated impact on employees in such a transaction. Following the meeting, dialogue continued between MVB and IFH&#8217;s management and its financial advisor regarding prospective terms of a potential transaction.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Later in the day on April&#160;28, 2022, Mr.&#160;Robinson and Mr.&#160;Bergevin met to discuss the structure of a potential transaction. Mr.&#160;Robinson and Mr.&#160;Bergevin also discussed and reviewed their respective financial models related to a potential transaction, without agreeing to any definitive transaction terms</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Throughout April 2022, representatives of MVB conducted preliminary diligence related to IFH, including its legal, operations, information technology and credit review. During this period MVB also performed an interest rate analysis on IFH&#8217;s loan and deposit portfolio. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On May&#160;2, 2022, the five-member executive committee of IFH&#8217;s board of directors held a special meeting to discuss the prospective terms of a proposed transaction with MVB. Mr.&#160;Bergevin and the representatives of Raymond James discussed conversations had to date with MVB&#8217;s management team and its financial advisor, Stephens. They outlined MVB&#8217;s interest in IFH&#8217;s government guaranteed lending platform and management team, that an all-stock transaction was being contemplated, and that preliminary discussions on pricing had occurred. It was noted for the executive committee that additional modeling was being done by the parties, but it was likely that a letter of intent would be forthcoming from MVB, which would contain a proposed exchange ratio. IFH&#8217;s executive committee authorized the continued pursuit of the proposed strategic combination.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Also on May&#160;2, 2022, the MVB board, along with senior management, met in Middleburg, Virginia for an off-site meeting and retreat. Representatives of Stephens were also present. At the meeting, Mr.&#160;Robinson, along with representatives from Stephens, provided an overview to the MVB board of IFH&#8217;s operations and the potential for a transaction with IFH. Mr.&#160;Robinson and other senior management executives of MVB described diligence conducted up to that point and informed the MVB board that IFH was inviting the submission of a preliminary indication of interest and the commencement of more fulsome due diligence. Representatives from Stephens also provided the MVB board with a financial analysis of IFH and an analysis of the financial impacts of a potential combination with IFH. The MVB board discussed its desire to increase its SBA lending presence and how a transaction with IFH could help facilitate that goal. The MVB board also discussed the pending RESPA litigation facing IFH and the desire to settle such litigation before closing any transaction. At the conclusion of the meeting, the MVB board directed management to continue to pursue a potential transaction with IFH provided that the RESPA litigation was settled.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On May&#160;11, 2022, MVB submitted a letter of intent to the IFH board (the &#8220;May LOI&#8221;). The May LOI provided for the merger of IFH with and into MVB with the merger consideration consisting of 100% stock at a fixed exchange ratio of 1.18 shares of MVB common stock to 1.0 shares of IFH common stock. Pursuant to the terms of the May LOI, options to purchase IFH common stock were to be exchanged for economically equivalent options of MVB, with the same terms and conditions as applied to such IFH options immediately prior to the effective time of the merger. At the time of the May LOI and based upon a 52-week volume weighted average stock price of MVB, the implied purchase price was $49.08 per share of IFH common stock, representing a total transaction value of approximately $115&#160;million. The May LOI also contemplated each of Messrs. Bergevin, Skinner and Breckheimer would be offered management roles with MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A special meeting of the executive committee of the IFH board was held on May&#160;16, 2022, to discuss the terms of the May LOI received from MVB. At the meeting, Raymond James presented an overview of proposed pricing in the letter of intent, how it compared to similar transactions, and additional information regarding </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">75<br></div></div></div>
<!--End Page 85-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 86-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">MVB&#8217;s recent stock performance. Following discussions among the executive committee, IFH management, and Raymond James, including the possibility of requesting from MVB potential downward price-protections, the executive committee authorized taking the May LOI to the full IFH board for approval. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On May&#160;19, 2022, the IFH board met to consider the May LOI received from MVB and received additional information from Raymond James on MVB and the proposed pricing for the transaction. The IFH board engaged in a thorough discussion of the terms being proposed and the potential effect on shareholder value, including declines in bank stocks generally during 2022, recent comparative performance of MVB&#8217;s stock, considerations regarding staying independent versus the proposed combination, likely transaction timing and additional steps, among other considerations. After receiving additional feedback from IFH management and Raymond James, the IFH board authorized execution of the May LOI, pursuit of more in-depth due diligence, and continued dialogue with MVB on the prospective strategic combination. IFH countersigned the May LOI on May&#160;19, 2022.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Over the next few weeks, IFH and MVB and their respective financial and legal advisors engaged in more in-depth due diligence on the prospective strategic combination. On-site diligence meetings were held in Raleigh, North Carolina on June 14-15, 2022, with members of management and members from the operations, risk, and credit departments of each of IFH and MVB, as well as representatives from Stephens and Raymond James, participating.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On June&#160;14, 2022, the finance committee of the MVB board met in a regular meeting. Mr.&#160;Robinson provided the committee with an update on the potential transaction with IFH. In particular, Mr.&#160;Robinson informed the committee that management was working through diligence and informed the committee that there were not yet any significant findings (other than the previously discussed RESPA litigation). Mr.&#160;Robinson also updated the committee on the meetings MVB management had with the IFH management in North Carolina. There was also an in-depth discussion regarding market conditions and pricing of the potential transaction. In particular, Mr.&#160;Robinson discussed that the transaction with IFH was structured as an all-stock transaction and that the market value of MVB&#8217;s stock price had declined and that instability in the market could lead to transaction risk. The committee also formally approved the Stephens engagement letter. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Messrs. Mazza and Robinson of MVB were invited to join a meeting of IFH&#8217;s board of directors held on June&#160;16, 2022, where they were introduced to the full IFH board, provided additional detail on MVB, and expressed their enthusiasm regarding the proposed transaction being considered by their respective organizations. Following the presentation and the departure of Messrs. Mazza and Robinson from the meeting, the IFH board continued discussions with regard to the proposed transaction, and it was determined to seek an increase in the proposed exchange ratio in the merger, in light of the declines in MVB&#8217;s stock price since initial discussions with MVB had begun. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On June&#160;20, 2022, in response to updates to the financial modeling and the fact that declines in the market price of MVB common stock had caused the implied purchase price to decrease and in response to the request of the IFH board to increase the exchange ratio, the MVB board held a special meeting to discuss a potential change to the May LOI. To partially offset the decline in stock price, the MVB board approved an increase in the exchange ratio from 1.18 shares of MVB common stock for each share of IFH common stock to an exchange ratio of 1.21 shares of MVB common stock for each share of IFH common stock.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;1, 2022, MVB submitted an addendum to the May LOI (the &#8220;LOI Addendum&#8221;) providing for an exchange ratio of 1.21 shares of MVB common stock for each share of IFH common stock. The LOI Addendum did not change the 100% stock consideration structure or the treatment of IFH equity awards. At the time of the LOI Addendum and based upon a 52-week volume weighted average stock price of MVB, the implied purchase price was $48.51 per share of IFH common stock, representing a total transaction value of approximately $114.1&#160;million.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The IFH board held a special meeting on July&#160;5, 2022, to consider the LOI Addendum and the increased exchange ratio. Following discussions with IFH management and after receiving a presentation from Raymond James detailing certain updated pricing and valuation information, the IFH board authorized execution of the LOI Addendum, which was signed and delivered to MVB that same day.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;18, 2022, representatives of Squire Patton Boggs sent an initial draft of the merger agreement to representatives of Wyrick. Thereafter, representatives of Squire Patton Boggs and Wyrick negotiated and revised the merger agreement, reflecting discussions between the parties.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">76<br></div></div></div>
<!--End Page 86-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 87-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">On July&#160;19, 2022, the MVB board held a regularly scheduled board meeting. At this meeting, Mr.&#160;Mazza provided the MVB board with an update on the potential transaction with IFH. Mr.&#160;Mazza informed the board that the first draft of the merger agreement had been circulated. The MVB board also discussed the pending RESPA lawsuit and Mr.&#160;Robinson informed the board that, pursuant to the draft merger agreement, such lawsuit would need to be settled as a condition to closing the transaction. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;21, 2022, IFH held a special meeting of its board of directors, with members of Raymond James participating, to specifically discuss the decline in the market prices of bank stocks generally over the last few months, and the decline in the market price of MVB&#8217;s stock since the initial proposed terms of the merger were considered. Following a presentation by Raymond James regarding potential downward price protection mechanisms, including a double-trigger termination concept, the IFH board directed IFH management to seek a price protection mechanism in the merger agreement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Later that day on July&#160;21, 2022, Mr.&#160;Robinson and Mr.&#160;Bergevin met telephonically to discuss pricing of the potential transaction. Each of a price floor mechanism whereby a minimum number of MVB shares would have to be issued in the potential combination and a double trigger termination right exercisable by IFH upon a specified decline in the market price of MVB common stock as compared to both its own historic price and a predetermined market index were discussed. Mr.&#160;Robinson informed Mr.&#160;Bergevin that MVB would not agree to a price floor. At approximately the same time, representatives of Stephens and Raymond James were having similar conversations and collectively reviewing similar terms from comparable transactions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;28, 2022, IFH held a regularly scheduled meeting of its board of directors. At the invitation of management, Wyrick was invited to attend so it could review with the IFH board its fiduciary duties and provide additional context to those duties in connection with the exploration of strategic opportunities such as the proposed merger with MVB. The IFH board instructed IFH management to provide the board with additional modeling and projections so that it could have the most up-to-date information regarding IFH&#8217;s projected standalone performance versus the potential shareholder value that could be created in a strategic partnership with MVB. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;29, 2022, Wyrick, on behalf of IFH, sent a revised draft of the merger agreement to Squire Patton Boggs reflecting IFH&#8217;s initial comments and requested modifications to the merger agreement, including the addition of a qualified termination right of IFH if MVB&#8217;s stock was to underperform each of the NASDAQ Bank Index and MVB&#8217;s own historical stock price in the twenty trading days prior to announcement of the merger by more than 15% following signing of a definitive agreement. The revised draft of the merger agreement also contained a termination fee amount of $3.25&#160;million, which was a reduction from the termination fee of $4.5&#160;million included in the initial draft of the merger agreement provided by Squire Patton Boggs. Throughout the following two weeks, IFH, MVB, and their respective financial and legal advisors continued confirmatory due diligence, the discussion of certain terms of the merger agreement, and exchanged drafts of the proposed definitive agreement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July&#160;31, 2022, Mr.&#160;Greathouse provided the chairman of the human resources and compensation committee of the MVB board with the terms of the contracts to be provided to IFH management. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;3, 2022, representatives of Squire Patton Boggs provided representatives of Wyrick with a revised draft of the merger agreement which, among other things, increased the threshold for the double-trigger termination right to a 20% reduction in stock price (as compared to historical price and the NASDAQ Bank Index) and reverted to a termination fee of $4.5&#160;million. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;5, 2022, members of MVB&#8217;s management, along with MVB&#8217;s financial advisor and legal counsel, participated in a due diligence call with IFH management and its financial advisor and legal counsel to address any remaining informational items needed in connection with IFH&#8217;s due diligence investigation of MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Also on August&#160;5, 2022, representatives of Wyrick provided representatives of Squire Patton Boggs with a revised draft of the merger agreement which, among other things, reduced the threshold for the double-trigger termination right to a 17.5% reduction in stock price and decreased the termination fee to $3.75&#160;million. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On the morning of August&#160;8, 2022, a special meeting of the IFH board was held at which the proposed merger agreement and merger transaction with MVB was discussed in detail. It was made clear at the outset of the meeting that the IFH board would not be voting to approve any transaction at this meeting. The purpose of the meeting was to provide the IFH board with an opportunity to review, consider, and discuss the proposed merger </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">77<br></div></div></div>
<!--End Page 87-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 88-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">agreement, the proposed resolutions it would consider if it determined to proceed with a strategic combination with MVB, and the most recent modeling provided by IFH management regarding the projected shareholder value that could be created on a standalone basis versus a strategic combination with MVB. Also in attendance at the IFH meeting were representatives of Wyrick and Raymond James, as well as Mr.&#160;Crouse. Mr.&#160;Bergevin reviewed the most recent financial modeling that IFH management had provided to the IFH board and addressed any questions from the IFH board. Wyrick reviewed in detail with the board the proposed merger agreement with MVB, including the price protection mechanism that had been added to the agreement, ongoing negotiations regarding the termination fee and termination provisions, the closing conditions set forth in the merger agreement, representations, warranties and covenants, exclusivity provisions, and relevant terms impacting employees. Wyrick also reviewed the form of proposed board resolutions that were previously distributed in order to better familiarize the IFH board with their content, and closed by discussing the voting agreements that MVB was seeking from the IFH board members and certain executive officers. Following a discussion of the materials summarized and an update on expected timeline, the meeting was adjourned with an intent to convene another meeting a few days later, once the final outstanding issues on the terms of the merger agreement had been resolved. Over the next two days, IFH and MVB exchanged updated drafts of the proposed definitive agreement, and MVB worked to finalize the terms of proposed employment agreements, which would be effective at closing of the prospective merger, between MVB Bank and Messrs. Bergevin, Breckheimer and Skinner, respectively.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Later in the day on August&#160;8, 2022, representatives of Squire Patton Boggs provided representatives of Wyrick with a revised draft of the merger agreement which, among other things, agreed to the 17.5% threshold for the double-trigger termination right and provided that the termination fee would be set equal to 4% of the transaction value, as determined at signing. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;9, 2022, the human resources and compensation committee of the MVB board held a special meeting to review and discuss the proposed employment agreements for Messrs. Bergevin, Breckheimer and Skinner. After discussion, the committee agreed to recommend each of the employment agreements for approval by the MVB board. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the afternoon of August&#160;10, 2022, the MVB board held a special meeting at which representatives of MVB management were present to evaluate and consider the proposed merger of MVB and IFH. Representatives of Squire Patton Boggs and Stephens were also in attendance at the meeting to discuss the legal and financial aspects of the potential transaction. At the meeting, representatives of Squire Patton Boggs provided a presentation regarding the directors&#8217; fiduciary duties in connection with the proposed transaction. MVB management updated the MVB board on the status of the current proposed terms of the merger, as discussed between the parties, as well as an overview of the strategic and financial rationale of the proposed transaction. MVB management, with the assistance of Squire Patton Boggs, then reviewed with the MVB board the terms of the draft merger agreement, as well as the terms of the employment agreements with Messrs. Bergevin, Breckheimer and Skinner that were anticipated to be entered into in connection with the transaction. MVB management and representatives of Squire Patton Boggs discussed the mutual due diligence process conducted, including relevant diligence findings. Also at the meeting, representatives of Stephens reviewed with the MVB board certain financial aspects of the potential transaction, including preliminary financial analyses performed by Stephens as well as a review of the potential pro forma financial and operating impacts of the proposed transaction. Representatives of Squire Patton Boggs also provided an overview of draft resolutions that the MVB board would consider in a subsequent meeting. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Following the close of the markets on August&#160;10, 2022, IFH convened another special meeting of its board of directors to consider the proposed merger with MVB. Representatives of Raymond James and Wyrick joined the meeting, along with Mr.&#160;Crouse. At the meeting, Raymond James presented a fairness opinion presentation to the IFH board regarding the proposed transaction with MVB. Raymond James provided a summary of the transaction, including its structure, the merger consideration, the pro forma ownership of the combined organization based on the 1.21 exchange ratio, among other items. Raymond James then reviewed with the IFH board its valuation analysis, including a discounted cash flow analysis and a selected company and transaction analysis. Following a question-and-answer session, Raymond James indicated that it was prepared to deliver its written opinion to the IFH board that the exchange ratio in the merger was fair from a financial point of view, to the holders of IFH&#8217;s common stock. For more information, see the section entitled &#8220;The Merger&#8212;Opinion of IFH&#8217;s Financial Advisor&#8221; and <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">D</font>. Raymond James then delivered its written opinion dated August&#160;10, </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">78<br></div></div></div>
<!--End Page 88-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 89-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">2022, upon the IFH board&#8217;s request. Wyrick then reviewed with the IFH board the material changes to the merger agreement since the last board meeting two days prior. After receipt of the Raymond James fairness opinion and further discussion of the advantages and any disadvantages to the proposed transaction with MVB (see &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors&#8221; for additional discussion of the factors considered by the IFH board), the IFH board concluded that the proposed merger was in the best interests of shareholders and unanimously voted to adopt the merger agreement, approve the merger, and authorize IFH management to finalize and execute a definitive merger agreement with MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the afternoon of August&#160;11, 2022, the MVB board held a special meeting to consider the negotiated terms of the proposed merger between MVB and IFH and entry into the merger agreement by MVB. Representatives of Squire Patton Boggs and Stephens were also in attendance at the meeting. At the meeting, MVB management and Squire Patton Boggs provided an update on the potential transaction and the material changes to the merger agreement since the last board meeting, including the final termination fee of $3.9&#160;million. At the meeting, Stephens reviewed the financial aspects of the proposed merger and presented a fairness opinion presentation to the MVB board regarding the proposed transaction with IFH. Stephens then rendered a verbal opinion, confirmed in writing on the same day, to the MVB board to the effect that, as of such date and subject to the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Stephens as set forth in such opinion, the merger consideration given by MVB in the proposed merger was fair, from a financial point of view, to MVB. For more information, see the section entitled &#8220;The Merger&#8212;Opinion of MVB&#8217;s Financial Advisor&#8221; and <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">C</font>. At the conclusion of the meeting, after careful review and discussion by the MVB board, including consideration of the factors described below under &#8220;The Merger&#8212; MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors,&#8221; the MVB board unanimously determined that the merger agreement, the merger and the transactions contemplated by the merger agreement were advisable and in the best interests of MVB and its shareholders and unanimously adopted and approved the merger agreement, the merger and the other transactions contemplated thereby and the entry into the merger agreement by MVB.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH and MVB executed the merger agreement on the morning of August&#160;12, 2022, and, before the financial markets opened that day, a press release was issued publicly announcing the execution of the merger agreement and the terms of the merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tMVBR"><!--Anchor--></a>MVB&#8217;s Reasons for the Merger; Recommendation of MVB&#8217;s Board of Directors</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, the MVB board of directors, at a special meeting held on August&#160;12, 2022, unanimously (i)&#160;determined that the merger agreement, including the exchange ratio, are in the best interests of MVB and its shareholders and (ii)&#160;adopted and approved the execution, delivery and performance of the merger agreement and the consummation of the transactions contemplated thereby, including the merger and the issuance of shares of MVB common stock as merger consideration.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In reaching this decision, the MVB board of directors evaluated the merger agreement, the merger and the other matters contemplated by the merger agreement in consultation with MVB&#8217;s senior management, as well as with MVB&#8217;s legal and financial advisors, and considered a number of factors, including the following principal factors: </div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">each of MVB&#8217;s and IFH&#8217;s business, operations, financial condition, asset quality, earnings, markets and prospects;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the strategic rationale for the merger, including facilitating the expansion of MVB&#8217;s government guaranteed lending business, including SBA and USDA originations and servicing;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the current and prospective environment in the financial services industry, including economic conditions and the interest rate and regulatory environments, the accelerating pace of technological change in the financial services industry, operating costs resulting from regulatory and compliance mandates, scale and marketing expenses, increasing competition from both banks and non-bank financial and financial technology firms, current financial market conditions, current employment market conditions and the likely effects of these factors on MVB&#8217;s potential growth, development, productivity and strategic options both with and without the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the compatibility of MVB&#8217;s and IFH&#8217;s cultures and philosophies;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the complementary nature of the products, customers and markets of the two (2) companies, which MVB believes should provide the opportunity to mitigate risks and increase potential returns;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">79<br></div></div></div>
<!--End Page 89-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 90-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the benefits and opportunities IFH will bring to MVB, including enhanced scale and product offerings, which should improve the ability of the combined company to attract and retain talent and customers;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the anticipated pro forma financial impact of the merger on MVB, including potential tangible book value accretion, as well as positive impact on earnings, return on equity, asset quality, liquidity and regulatory capital levels; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the expectation of cost synergies resulting from the merger, which will enable, among other things, increased spending on technology;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the expectation that the merger will offer potentially significant revenue synergies across business lines and the fact that such revenue synergies were identified but not included in the financial analysis;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its review and discussions with MVB&#8217;s senior management concerning MVB&#8217;s due diligence examination of, among other areas, the operations, financial condition and regulatory compliance programs and prospects of IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its understanding that MVB&#8217;s shareholders would own approximately eighty two percent (82%) of the combined company&#8217;s common stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that the exchange ratio is fixed, with no adjustment in the merger consideration to be received by IFH shareholders as a result of possible increases or decreases in the trading price of IFH or MVB stock following the announcement of the merger, which the MVB board of directors believed was consistent with market practice for transactions of this type and with the strategic purpose of the transaction;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the opinion, dated August&#160;12, 2022, of Stephens to MVB&#8217;s board of directors as to the fairness, from a financial point of view and as of the date of the opinion, to MVB of the consideration to be given by MVB in the proposed merger, as more fully described below under &#8220;The Merger&#8212;Opinion of Old MVB&#8217;s Advisor&#8221;;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its review with MVB&#8217;s outside legal counsel of the material terms of the merger agreement, including the representations, warranties, covenants, deal protection and termination provisions;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its expectation that the required regulatory approvals could be obtained in a timely fashion;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that MVB&#8217;s shareholders will have the opportunity to vote to approve the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that the directors of the combined company would be the current members of the MVB board of directors;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that the current executive officers of MVB would continue as executive officers of the combined company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the execution of employment agreements with certain key employees of IFH in connection with the merger, which the MVB board of directors believes is important to enhancing the likelihood that the strategic benefits that MVB expects to achieve as a result of the merger will be realized;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that MVB&#8217;s current headquarters in Fairmont, West Virginia will remain the headquarters for MVB and MVB Bank; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB&#8217;s past record of integrating many acquisitions and of realizing expected financial and other benefits of such acquisitions and the strength of MVB&#8217;s management and infrastructure to successfully complete the integration process. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The MVB board of directors also considered the potential risks related to the transaction. The board concluded that the anticipated benefits of combining with IFH were likely to outweigh these risks substantially. These potential risks include, among others:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or difficulties arising from, the integration of the two (2) companies or as a result of the strength of the economy, general market conditions and competitive factors in the areas where MVB and IFH operate businesses;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">80<br></div></div></div>
<!--End Page 90-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 91-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the costs to be incurred in connection with the merger and the integration of IFH&#8217;s and MVB&#8217;s respective businesses and the possibility that the transaction and the integration may be more expensive to complete than anticipated, including as a result of unexpected factors or events;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility of encountering difficulties in achieving anticipated cost savings and synergies in the amounts currently estimated or within the time frame currently contemplated;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility of encountering difficulties in successfully integrating the businesses, operations and workforces of MVB and IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the risk of losing key MVB or IFH employees during the pendency of the merger and following the closing;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possible diversion of management focus and resources from the operation of MVB&#8217;s business while working to implement the transaction and integrate the two (2) companies;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the reputational risks associated with IFH&#8217;s cannabis business; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the risks associated with the pending RESPA Litigation; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the risk that, because the exchange ratio under the merger agreement would not be adjusted for changes in the market price of MVB common stock or IFH common stock, the value of the shares of MVB common stock to be issued to IFH shareholders upon the completion of the merger could be significantly more than the value of such shares immediately prior to the announcement of the parties&#8217; entry into the merger agreement; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the risk that the regulatory and other approvals required in connection with the merger may not be received in a timely manner or at all or may impose conditions that may adversely affect the anticipated operations, synergies and financial results of MVB following the completion of the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the potential for legal claims challenging the merger; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the other risks described under the sections entitled &#8220;Risk Factors&#8221; and &#8220;Cautionary Statement Regarding Forward-Looking Statements.&#8221;</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing discussion of the information, factors and risks considered by the MVB board of directors is not intended to be exhaustive, but includes the material factors and risks considered by the board. In reaching its decision to approve the merger agreement and the transactions contemplated by the merger agreement, the MVB board of directors did not quantify or assign any relative weights to the factors considered, and individual directors may have given different weights to different factors. The board considered all these factors as a whole, and overall considered the factors to support its determination.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the reasons set forth above, the MVB board of directors determined that the merger agreement and the transactions contemplated thereby are in the best interests of MVB and its shareholders. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">It should be noted that this explanation of the reasoning of the MVB board of directors and all other information presented in this section is forward-looking in nature and, therefore, should be read in light of the factors discussed in the section entitled &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; on page <a href="#tFLS">23</a>.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the reasons set forth above, the MVB board of directors unanimously recommends that the holders of MVB common stock vote &#8220;FOR&#8221; the MVB merger proposal, and &#8220;FOR&#8221; the other proposals to be considered at the MVB special meeting.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tOOMVB"><!--Anchor--></a>Opinion of MVB&#8217;s Financial Advisor</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On July 15<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, MVB engaged Stephens to act as financial adviser to MVB in connection with the proposed merger of IFH with and into MVB. As part of its engagement, Stephens was asked to undertake a study of the fairness, from a financial point of view, of the consideration agreed to be given by MVB in connection with the proposed merger. MVB engaged Stephens because, among other factors, Stephens is a nationally recognized investment banking firm with substantial experience in similar transactions. As part of its investment banking business, Stephens is continually engaged in the valuation of financial services businesses and their securities in connection with mergers and acquisitions.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">81<br></div></div></div>
<!--End Page 91-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 92-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">As part of Stephens&#8217; engagement, representatives of Stephens participated in a meeting of MVB&#8217;s board of directors held on August 11<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, in which MVB&#8217;s board of directors considered and approved the proposed merger. At this meeting, Stephens reviewed the financial aspects of the proposed merger and rendered its oral opinion, which was subsequently confirmed by delivery of a written opinion to MVB&#8217;s board of directors dated as of August 11<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, that, as of such date, the consideration agreed to be given by MVB in the proposed merger was fair to MVB from a financial point of view, based upon and subject to the qualifications, assumptions and other matters considered by Stephens in connection with the preparation of its opinion.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The full text of Stephens&#8217; written opinion letter (the &#8220;Opinion Letter&#8221;) is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">C</font> to this joint proxy statement/prospectus. The Opinion Letter outlines the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken by Stephens in rendering its opinion. The summary of the opinion set forth in this document is qualified in its entirety by reference to the full text of such written Opinion Letter. MVB shareholders are urged to read the entire Opinion Letter carefully in connection with their consideration of the proposed merger. The Company did not give any instruction to or impose any limitations on Stephens as it related to the issuance of its opinion.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens&#8217; opinion speaks only as of the date of the opinion, and Stephens has undertaken no obligation to update or revise its opinion. The opinion was directed to MVB&#8217;s board of directors (solely in its capacity as such) in connection with, and for purposes of, its consideration of the proposed merger. The opinion only addresses whether the consideration agreed to be given by MVB in the proposed merger was fair, from a financial point of view, to MVB as of the date of the opinion. The opinion does not address the underlying business decision of MVB to engage in the proposed merger or any other term or aspect of the merger agreement or the transactions contemplated thereby. Stephens&#8217; opinion does not constitute a recommendation to MVB&#8217;s board of directors or any of MVB&#8217;s shareholders as to how such person should vote or otherwise act with respect to the proposed merger or any other matter. MVB and IFH determined the merger consideration through a negotiation process.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">In connection with developing its opinion, Stephens:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain publicly available financial statements and reports regarding MVB and IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain audited financial statements regarding MVB and IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain internal financial statements, management reports and other financial and operating data concerning MVB and IFH prepared by management of MVB and management of IFH, respectively (see the section entitled &#8220;Certain Unaudited Prospective Financial Information&#8221; for additional information regarding unaudited prospective financial information of MVB and IFH);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iv)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed, on a pro forma basis, in reliance upon consensus research estimates and upon financial projections and other information and assumptions concerning MVB and IFH provided by management of MVB and management of IFH, respectively, the effect of the proposed merger on the balance sheet, capitalization ratios, earnings and tangible book value both in the aggregate and, where applicable, on a per share basis of MVB;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(v)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the reported prices and trading activity for the common stock of MVB and IFH; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">compared the financial performance of MVB and IFH with that of certain other publicly-traded companies and their securities that Stephens deemed relevant to Stephens&#8217; analysis of the proposed merger; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial terms, to the extent publicly available, of certain merger or acquisition transactions that Stephens deemed relevant to Stephens&#8217; analysis of the proposed merger; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(viii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the then most recent draft of the merger agreement and related documents provided to Stephens by MVB;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ix)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">discussed with management of MVB and management of IFH the operations of and future business prospects for MVB and IFH and the anticipated financial consequences of the proposed merger to MVB and IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(x)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">assisted in MVB&#8217;s deliberations regarding the material terms of the proposed merger and MVB&#8217;s negotiations with IFH; and</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">82<br></div></div></div>
<!--End Page 92-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 93-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(xi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">performed such other analyses and provided such other services as Stephens deemed appropriate.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens relied on the accuracy and completeness of the information, financial data and financial forecasts provided to Stephens by MVB and IFH and of the other information reviewed by Stephens in connection with the preparation of Stephens&#8217; opinion, and its opinion was based upon such information. Stephens did not independently verify or undertake any responsibility to independently verify the accuracy or completeness of any of such information, data or forecasts. Management of MVB assured Stephens that it was not aware of any relevant information that had been omitted or remained undisclosed to Stephens. Stephens did not assume any responsibility for making or undertaking an independent evaluation or appraisal of any of the assets or liabilities of MVB or of IFH, and Stephens was not furnished with any such evaluations or appraisals; nor did Stephens evaluate the solvency or fair value of MVB or of IFH under any laws relating to bankruptcy, insolvency or similar matters. Stephens did not assume any obligation to conduct any physical inspection of the properties, facilities, assets or liabilities (contingent or otherwise) of MVB or IFH. Stephens did not receive or review any individual loan or credit files nor did Stephens make an independent evaluation of the adequacy of the allowance for loan and lease losses of MVB or IFH. Stephens did not make an independent analysis of the effects of the COVID-19 pandemic, the invasion of Ukraine, potential future changes in the inflation rate or other related market developments or disruptions, or of any other disaster or adversity, on the business or prospects of MVB or IFH. With respect to the financial forecasts prepared by management of MVB and management of IFH, including the forecasts of potential cost savings and potential synergies, Stephens assumed that such financial forecasts had been reasonably prepared and reflected the best then currently available estimates and judgments of management of MVB and management of IFH, respectively, as to the future financial performance of MVB and IFH, respectively, and provided a reasonable basis for Stephens&#8217; analysis. Stephens recognized that such financial forecasts were based on numerous variables, assumptions and judgments that were inherently uncertain (including, without limitation, factors related to general economic and competitive conditions) and that actual results could vary significantly from such forecasts, and Stephens expressed no opinion as to the reliability of such financial projections and estimates or the assumptions upon which they were based.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens does not provide legal, accounting, regulatory, or tax advice or expertise, and Stephens relied solely, and without independent verification, on the assessments of MVB and its other advisors with respect to such matters. Stephens assumed, with MVB&#8217;s consent, that the proposed merger will not result in any materially adverse legal, regulatory, accounting or tax consequences for MVB and that any reviews of legal, accounting, regulatory or tax issues conducted as a result of the proposed merger will be resolved favorably to MVB. Stephens did not express any opinion as to any tax or other consequences that might result from the proposed merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens&#8217; opinion was necessarily based upon market, economic and other conditions as they existed and could be evaluated on the date of the opinion, and on the information made available to Stephens as of the date of the opinion. Market price data used by Stephens in connection with its opinion was based on reported market closing prices as of August&#160;10, 2022. It should be understood that subsequent developments may affect the opinion and that Stephens did not undertake any obligation to update, revise or reaffirm the opinion or otherwise comment on events occurring after the date of the opinion. Stephens further noted that the current volatility and disruption in the credit and financial markets relating to, among other things, the COVID-19 pandemic, the invasion of Ukraine or potential future changes in inflation rates may or may not have an effect on MVB or IFH, and Stephens did not express an opinion as to the effects of such volatility or such disruption on the proposed merger or any party to the proposed merger. Stephens further expressed no opinion as to the prices at which shares of MVB&#8217;s or IFH&#8217;s common stock may trade at any time subsequent to the announcement of the proposed merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">In connection with developing its opinion, Stephens assumed that, in all respects material to its analyses:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the proposed merger and any related transactions will be consummated on the terms of the latest draft of the merger agreement provided to Stephens, without material waiver or modification;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the representations and warranties of each party in the merger agreement and in all related documents and instruments referred to in the merger agreement are true and correct;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">each party to the merger agreement and all related documents will perform all of the covenants and agreements required to be performed by such party under such documents; </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">83<br></div></div></div>
<!--End Page 93-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 94-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iv)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">all conditions to the completion of the proposed merger will be satisfied within the time frames contemplated by the merger agreement without any waivers;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(v)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">that in the course of obtaining the necessary regulatory, lending or other consents or approvals (contractual or otherwise) for the proposed merger and any related transactions, no restrictions, including any divestiture requirements or amendments or modifications, will be imposed that would have a material adverse effect on the contemplated benefits of the proposed merger to MVB;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">there has been no material change in the assets, liabilities, financial condition, results of operations, business or prospects of MVB or IFH since the date of the most recent financial statements made available to Stephens, and that no legal, political, economic, regulatory or other development has occurred that will adversely impact MVB or IFH; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 30pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the proposed merger will be consummated in a manner that complies with applicable law and regulations.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens&#8217; opinion was limited to whether the consideration agreed to be given by MVB in the proposed merger was fair to MVB from a financial point of view as of the date of the opinion. Stephens was not asked to, and did not, offer any opinion as to the terms of the merger agreement or the form of the proposed merger or any aspect of the proposed merger, other than the fairness, from a financial point of view, of the consideration agreed to be given in the proposed merger by MVB. The opinion did not address the merits of the underlying decision by MVB to engage in the proposed merger, the merits of the proposed merger as compared to other alternatives potentially available to MVB or the relative effects of any alternative transaction in which MVB might engage, nor is it intended to be a recommendation to any person or entity as to any specific action that should be taken in connection with the proposed merger, including with respect to how to vote or act with respect to the proposed merger. Moreover, Stephens did not express any opinion as to the fairness of the amount or nature of the compensation to any of MVB&#8217;s officers, directors or employees, or to any group of such officers, directors or employees, whether relative to the compensation to other shareholders of MVB or otherwise.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following is a summary of the material financial analyses performed and material factors considered by Stephens in connection with developing its opinion. Stephens performed certain procedures, including each of the financial analyses described below, and reviewed with MVB&#8217;s executive management and board of directors the assumptions upon which the analyses were based, as well as other factors. Although this summary does not purport to describe all of the analyses performed or factors considered by Stephens, it does set forth those analyses considered by Stephens to be material in arriving at its opinion. The preparation of a fairness opinion is a complex analytic process involving various determinations as to the appropriate and relevant methods of financial analysis and the application of those methods to the particular circumstances. Therefore, a fairness opinion is not readily susceptible to partial analysis or summary description. The order of the summaries of analyses described does not represent the relative importance or weight given to those analyses by Stephens. It should be noted that in arriving at its opinion, Stephens did not attribute any particular weight to any analysis or factor considered by it, but rather made qualitative judgments as to the significance and relevance of each analysis and factor. Accordingly, Stephens believes that its analysis must be considered as a whole and that considering any portion of such analyses and factors, without considering all analyses and factors as a whole, could create a misleading or incomplete view of the process underlying its opinion. The financial analyses summarized below include information presented in tabular format. The tables alone do not constitute a complete description of the financial analyses summarized below. Accordingly, Stephens&#8217; analyses and the summary of its analyses must be considered as a whole, and selecting portions of its analyses and factors or focusing on the information presented below in tabular format, without considering all analyses and factors or the full narrative description of the financial analyses, including the methodologies and assumptions underlying the analyses, could create a misleading or incomplete view of the process underlying Stephens&#8217; analyses and opinion.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">84<br></div></div></div>
<!--End Page 94-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 95-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg14"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Summary of Proposed Transaction</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the merger agreement and subject to the terms, conditions and limitations set forth therein, and for purposes of its opinion, Stephens understood that, subject to potential adjustments as described in the merger agreement, each outstanding share of IFH&#8217;s common stock will be converted into the right to receive 1.21 shares of MVB&#8217;s common stock, which, based on MVB&#8217;s closing stock price of $34.24 on August&#160;10, 2022, results in the expected consideration to be exchanged by MVB for all of the outstanding common stock, including restricted stock awards and options on the common stock, of IFH having an aggregate value of approximately $97.2&#160;million. Based upon the unaudited financial information of IFH as of and for the twelve months ended June 30<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, and market data as of August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, Stephens calculated the following transaction multiples:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Reported Tangible Book Value:<font style="padding-left: 4.16pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">1.27x</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Adjusted Tangible Book Value:<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 1.52pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">1.41x</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Last Twelve Months (&#8220;LTM&#8221;) Earnings:<font style="padding-left: 0.31pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">10.1x</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / 2022 Estimated Earnings:<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 3.8pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 0.37pt;">11.2x</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / 2023 Estimated Earnings:<font style="padding-left: 2.54pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">15.6x</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Core Deposit Premium:<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.26%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">9.3%</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 12.75pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; margin-top: 3pt; margin-left: 0pt; text-align: left;">See the section entitled &#8220;Certain Unaudited Prospective Financial Information&#8221; for additional information regarding unaudited financial information of MVB and IFH.</div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 3pt; margin-left: 0pt; text-align: left;">Note: The last twelve months net earnings of the acquired company based on the most recent available financial statements prior to announcement. Estimated 2022 and 2023 net earnings based on assumptions provided by MVB&#8217;s management and consensus research estimates.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">Calculated using tangible book value per share at June 30<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022 adjusted for ($7.4) million of net after-tax expenses related to the estimated litigation settlement<font style="font-style: normal;"> </font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">2022 estimated earnings exclude ($7.4) million of net after-tax expenses related to the estimated litigation settlement</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15.5pt; margin-left: 0pt; text-align: left;">Relevant Public Companies Analysis &#8211; IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens compared the financial condition, operating statistics and market valuation of IFH to certain public companies selected by Stephens and their respective public trading values. Stephens selected the companies outlined below because their relative asset size and financial performance, among other factors, were reasonably similar to IFH; however, no selected company below was identical or directly comparable to IFH. A complete analysis involves complex considerations and qualitative judgments concerning differences in financial and operating characteristics and other factors that could affect the public trading values of the relevant public companies. Mathematical analysis (such as determining the median) is not in itself a meaningful method of using relevant public company data.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Stephens selected the following eighteen (18) public companies based on the criteria set forth below:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">Includes publically-traded<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> U.S. banks and thrifts with between $200&#160;million and $800&#160;million in most recent quarter total assets with last twelve months Core ROAA<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup> greater than 1.00%, excluding merger targets and mutuals:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Quaint Oak Bancorp Inc. (QNTO)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Resource Bancorp (FRSB)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ledyard Financial Group Inc. (LFGP)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">OptimumBank Holdings Inc. (OPHC)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">United Bancorp Inc. (UBCP)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Bancshares Inc. (FBSI)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">InsCorp Inc. (IBTN)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">High Country Bancorp Inc. (HCBC)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Century Next Financial Corp. (CTUY)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Northeast Indiana Bancorp (NIDB)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Muncy Bank Financial (MYBF)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">FinWise Bancorp (FINW)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">University Bancorp Inc. (UNIB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Infinity Bank (INFT)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">U &amp; I Financial Corp. (UNIF)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">The Farmers Bank Appomattox (FBPA)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SVB &amp; T Corp. (SVBT)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Logansport Financial Corp. (LOGN)</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 12.75pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; margin-top: 4pt; margin-left: 0pt; text-align: left;">Note:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;"><font style="font-style: italic;">Publically-traded banks includes banks traded on NYSE, NYSEAM, NASDAQ, OTCQB, and OTCQX exchanges.</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;"><font style="font-style: italic;">Core ROAA as defined by S&amp;P Global Market Intelligence.</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">85<br></div></div></div>
<!--End Page 95-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 96-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg15"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">To perform this analysis, Stephens reviewed publicly available financial information as of and for the last twelve month period ended June 30<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022, or the most recently reported period available, and the market trading multiples of the selected public companies based on August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022 closing prices. The financial data included in the table presented below may not correspond precisely to the data reported in historical financial statements as a result of the assumptions and methods used by Stephens to compute the financial data presented. The table below contains information reviewed and utilized by Stephens in its analysis:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 29.47%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Companies</div></td></tr><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Median</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total Assets<font style="padding-left: 2.21pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 2.5pt;">435</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">424</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 2.5pt;">498</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">616</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">TCE / TA<font style="padding-left: 0.82pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">17.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">8.5%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">9.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">10.7%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans / Deposits<font style="padding-left: 2.64pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">79.8%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">76.3%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">92.5%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">96.0%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">NPA / Assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">1.07%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">0.53%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">0.31%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">0.14%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM GAAP ROAA<font style="padding-left: 4.48pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">2.07%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.10%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.26%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.76%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Core ROAA<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 3.14pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">1.41%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5.37pt;">1.11%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.22%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.58%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM GAAP ROATCE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 0.18pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">12.9%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">12.1%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">12.7%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">15.1%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Market Capitalization<font style="padding-left: 3.2pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">60</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 7.5pt;">37</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 7.5pt;">53</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 7.5pt;">66</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Tangible Book Value<font style="padding-left: 0.93pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">0.82x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">0.96x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.08x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.27x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / LTM EPS<font style="padding-left: 0.77pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">6.5x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">6.6x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">7.9x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">8.9x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / MRQ EPS<font style="padding-left: 3.19pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">10.6x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">6.7x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">7.9x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">10.3x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dividend Yield<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">0.3%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">1.9%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">4.0%</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 11.75pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; margin-top: 4pt; margin-left: 0pt; text-align: left;">Source: S&amp;P Global Market Intelligence, FactSet.</div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 3pt; margin-left: 0pt; text-align: left;">Note: Dollars in millions. LTM=Last Twelve Months reported. MRQ=Most Recent Quarter reported. Market data as of August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022. &#8220;&#8212;&#8221; indicates data not applicable or data not available.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">NPAs / Assets excludes restructured loans from nonperforming assets.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">As defined by S&amp;P Global Market Intelligence.</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Relevant Nationwide Bank &amp; Thrift Transactions Analysis &#8211; IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens reviewed certain publicly available transaction multiples and related financial data for nationwide bank and thrift transactions announced since January 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup>, 2021, where (i)&#160;the deal value was publicly disclosed, (ii)&#160;the target&#8217;s assets were between $300&#160;million and $800&#160;million and (iii)&#160;the stock consideration was greater than or equal to 50%, excluding any merger of equals (as defined by S&amp;P Global Market Intelligence). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following twenty-seven (27) transactions were selected by Stephens because each target&#8217;s relative asset size, financial performance and operations, among other factors, was reasonably similar to IFH; however, no selected company or transaction below was identical or directly comparable to IFH or the proposed merger:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Acquirer</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Target</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Announcement Date</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank First Corporation</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Hometown Bancorp Ltd.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/26/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Somerset Savings Bank SLA</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Regal Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/25/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">HomeTrust Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Quantum Capital Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/25/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Middlefield Banc Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liberty Bancshares (Ada OH)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/26/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cambridge Bancorp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Northmark Bank</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/23/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">The First Bancshares</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Beach Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/26/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank First Corporation</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Denmark Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/19/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Civista Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Comunibanc Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/10/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Alerus Financial Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MPB BHC Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">12/8/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">InBankshares Corp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Legacy Bank</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">11/30/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bus. First Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Texas Citizens Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10/21/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eagle Bancorp Montana Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Community Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10/1/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">BayCom Corp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pacific Enterprise Bancorp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">9/7/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SouthPoint Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Merchants Financial Svcs Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8/25/2021</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">86<br></div></div></div>
<!--End Page 96-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 97-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg16"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Acquirer</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Target</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Announcement Date</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Seacoast Banking Corp. of FL</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sabal Palm Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8/23/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Mid Bancshares</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Delta Bancshares Co.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/29/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Finward Bancorp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Royal Financial Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/29/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Western Financial Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Teton Financial Services Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/22/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Farmers National Banc Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cortland Bancorp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">6/23/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">United Community Banks Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Aquesta Financial Holdings</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/27/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Equity Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">American State Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/17/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Southern California Bancorp</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank of Santa Clarita</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/27/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Colony Bankcorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SouthCrest Financial Group Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/22/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SmartFinancial Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sevier County Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/14/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Seacoast Banking Corp. of FL</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Legacy Bank of Florida</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">3/23/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fidelity D &amp; D Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Landmark Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">2/26/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">BancorpSouth Bank</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">FNS Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/13/2021</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens considered these selected transactions to be reasonably similar, but not identical or directly comparable, to the proposed merger. A complete analysis involves complex considerations and qualitative judgments concerning differences in the selected transactions and other factors that could affect the transaction values in those selected transactions as compared with the proposed merger. Mathematical analysis (such as determining the median) is not in itself a meaningful method of using selected transaction data. Stephens compared certain proposed transaction multiples of the proposed merger to the 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile, median and 75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile transaction multiples of the selected transactions: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 29.47%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Transactions</div></td></tr><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Median</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deal Value<font style="padding-left: 1.7pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">97</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 7.5pt;">53</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 7.5pt;">63</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">107</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target Total Assets<font style="padding-left: 3.84pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 2.5pt;">435</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">421</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 2.5pt;">534</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">674</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target TCE / TA<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">17.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">9.3%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">10.2%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">10.7%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target NPA / Assets<font style="padding-left: 4.43pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">1.1%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">0.8%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">0.4%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">0.1%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target LTM ROAA<font style="padding-left: 1.11pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">2.07%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">0.67%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">0.98%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.18%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Tangible Book Value<font style="padding-left: 0.93pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">1.27x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.26x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.46x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.58x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / LTM Earnings<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">10.1x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5.37pt;">11.9x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">15.6x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">18.1x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Core Deposit Premium<font style="padding-left: 2.64pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">9.4%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">3.2%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">4.9%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">7.9%</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; margin-top: 4.5pt; margin-left: 0pt; text-align: left;">Source: S&amp;P Global Market Intelligence, Company documents.</div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 3pt; margin-left: 0pt; text-align: left;">Note: Dollars in millions. LTM=Last Twelve Months reported. Transaction data as of deal announcement date. Screen as of August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022.<font style="font-style: normal;"> </font></div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;">Relevant Regional Bank &amp; Thrift Transactions Analysis &#8211; IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens reviewed certain publicly available transaction multiples and related financial data for bank and thrift transactions announced since January 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup>, 2021, where (i)&#160;the target was domiciled in the Southeast U.S. (AL, AR, FL, GA, MS, NC, SC, TN, VI, VA, and WV), (ii)&#160;the deal value was publicly disclosed, (iii)&#160;the target&#8217;s assets were between $200&#160;million and $800&#160;million, and excluding any merger of equals (as defined by S&amp;P Global Market Intelligence). </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">87<br></div></div></div>
<!--End Page 97-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 98-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg17"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The following fifteen (15) transactions were selected by Stephens because each target&#8217;s relative asset size, financial performance and markets of operation, among other factors, was reasonably similar to IFH; however, no selected company or transaction below was identical or directly comparable to IFH or the proposed merger:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Buyer</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Target</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Date</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">HomeTrust Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Quantum Capital Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">7/25/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">DFCU Financial</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First Citrus Bancorp. Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/12/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">The First Bancshares</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Beach Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/26/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Southern Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">FCB Financial Services Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/31/2022</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">BankFirst Capital Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Citizens Bank of Fayette</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10/14/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SouthPoint Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Merchants Financial Svcs Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8/25/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Seacoast Banking Corp. of FL</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sabal Palm Bancorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8/23/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Lake Michigan CU</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pilot Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">6/16/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">United Community Banks Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Aquesta Financial Holdings</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5/27/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Colony Bankcorp Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SouthCrest Financial Group Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/22/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SmartFinancial Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sevier County Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4/14/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Seacoast Banking Corp. of FL</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Legacy Bank of Florida</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">3/23/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">First National Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bank of Fincastle</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">2/18/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investar Holding Corp.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cheaha Financial Group Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/25/2021</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">BancorpSouth Bank</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">FNS Bancshares Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 23.08%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1/13/2021</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens considered these selected transactions to be reasonably similar, but not identical or directly comparable, to the proposed merger. A complete analysis involves complex considerations and qualitative judgments concerning differences in the selected transactions and other factors that could affect the transaction values in those selected transactions as compared with the proposed merger. Mathematical analysis (such as determining the median) is not in itself a meaningful method of using selected transaction data. Stephens compared certain proposed transaction multiples of the proposed merger to the 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile, median and 75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile transaction multiples of the selected transactions:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="7" style="width: 29.47%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Transactions</div></td></tr><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Median</div></td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.33%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentile</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deal Value<font style="padding-left: 1.7pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">97</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 7.5pt;">40</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 7.5pt;">68</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">106</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target Total Assets<font style="padding-left: 3.84pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 2.5pt;">435</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">323</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;">$<font style="padding-left: 2.5pt;">533</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;">$<font style="padding-left: 2.5pt;">675</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target TCE / TA<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">17.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">7.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">9.3%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">12.1%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target NPA / Assets<font style="padding-left: 4.43pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">1.1%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">0.8%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">0.5%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">0.2%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Target LTM ROAA<font style="padding-left: 1.11pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">2.07%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">0.84%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.01%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.26%</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / Tangible Book Value<font style="padding-left: 0.93pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">1.27x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.45x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">1.54x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">1.85x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Price / LTM Earnings<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">10.1x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">12.5x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 5pt;">15.4x</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 5pt;">17.8x</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Core Deposit Premium<font style="padding-left: 2.64pt;"></font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">9.4%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">4.6%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.6%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.86pt; text-align: left;"><font style="padding-left: 10pt;">6.7%</font></div></td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.33%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.78pt; text-align: left;"><font style="padding-left: 10pt;">9.8%</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; margin-top: 4.5pt; margin-left: 0pt; text-align: left;">Source: S&amp;P Global Market Intelligence, Company documents.</div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 3pt; margin-left: 0pt; text-align: left;">Note: Dollars in millions. LTM=Last Twelve Months reported. Transaction data as of deal announcement date. Screen as of August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, 2022.<font style="font-style: normal;"> </font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">88<br></div></div></div>
<!--End Page 98-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 99-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg18"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Relative Contribution Analysis &#8211; MVB</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens analyzed the relative contribution of MVB and IFH to certain financial and operating metrics for the pro forma company resulting from the acquisition. The financial and operating metrics included: (i)&#160;total assets excluding Paycheck Protection Program (&#8220;PPP&#8221;) loans; (ii)&#160;net loans excluding PPP loans; (iii)&#160;total deposits; (iv)&#160;tangible common equity; (v)&#160;litigation adjusted tangible common equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup>; (vi)&#160;reported earnings for the year ended 2021; (vii)&#160;estimated net earnings (as estimated by MVB management team and consensus research estimates) for the year ended 2022 and 2023; and (viii)&#160;the respective market capitalization of MVB and IFH. The relative contribution analysis did not take into account any potential synergies, and excludes all purchase accounting and transaction related adjustments as a result of the acquisition. The results of this analysis are summarized in the table below:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.04%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ownership:<br></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Pro Forma Ownership at 1.210x Exchange Ratio<font style="padding-left: 3.84pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">82%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">18%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance Sheet:<br></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total Assets (excl. PPP)<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">87%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">13%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total Net Loans (excl. PPP)<font style="padding-left: 3.41pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">87%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">13%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total Deposits<font style="padding-left: 4.77pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">89%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;"><font style="padding-left: 0.37pt;">11%</font></div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Tangible Common Equity (&#8220;TCE&#8221;)<font style="padding-left: 2.38pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">77%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">23%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Litigation Adjusted TCE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 4.39pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">79%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">21%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Profitability<br></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">2021 Reported Earnings<font style="padding-left: 4.64pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">76%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">24%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">2022 Estimated Earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">70%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">30%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">2023 Estimated Earnings<font style="padding-left: 1.3pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">86%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">14%</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Market Data:<br></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 84.62%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Market Capitalization<font style="padding-left: 0.2pt;"></font></div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.33pt; text-align: left;">88%</div></td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.11pt; text-align: left;">12%</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 8.25pt;"> </div></div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 4pt; margin-left: 0pt; text-align: left;">Source: S&amp;P Global Market Intelligence, Company documents, and FactSet.</div><div class="ftnote" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 4pt; margin-left: 0pt; text-align: left;">Note: Analysis excludes all purchase accounting and transaction related adjustments. Market data as of August 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> 2022.<font style="font-style: normal;"> </font></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">Counterparty adjusted for ($7.4) million of net after-tax expenses related to the estimated litigation settlement</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; text-align: left;">Counterparty 2022 estimated earnings exclude ($7.4) million of net after-tax expenses related to the estimated litigation settlement</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Discounted Cash Flow Analysis &#8211; IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens performed a standalone discounted cash flow analysis using projections developed by the executive management team of MVB, and then calculated a range of implied equity values for IFH based upon the discounted net present value of the projected after-tax free cash flows for the projected period. Stephens determined the amount of cash flow assuming (i)&#160;a terminal earnings multiple of 9.0x based on 2028 estimated earnings, and (ii)&#160;dividend payments for earnings and excess capital above a tangible common equity to tangible asset ratio of 9.0% from 2023 to 2027, both excluding and including net after-tax cash merger adjustments. To calculate an implied per share equity value range, Stephens considered discount rates of 10.0% to 12.0% and terminal earnings multiples of 8.0x to 10.0x.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Based on this analysis, Stephens derived a range for the implied equity value of IFH from $38.38 per share to $45.81 per share, excluding merger adjustments, and $70.27 per share to $86.28 per share including merger adjustments. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The discounted cash flow analysis is a widely used valuation methodology, but the results of this methodology are highly dependent on the assumptions that must be made, including asset and earnings growth rates, terminal values, capital levels, and discount rates. The analysis did not purport to be indicative of the actual values or expected values of IFH. The actual results may vary from the projected results, any of these assumptions might not be realized in future operations and the variations may be material.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Miscellaneous</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The preparation of a fairness opinion is a complex process and is not susceptible to a partial analysis or summary description. Stephens believes that its analyses must be considered as a whole and that selecting </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">89<br></div></div></div>
<!--End Page 99-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 100-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg19"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">portions of its analyses, without considering the analyses taken as a whole, would create an incomplete view of the process underlying its opinion. In addition, Stephens considered the results of all such analyses and did not assign relative weights to any of the analyses, but rather made qualitative judgments as to significance and relevance of each analysis and factor, so the results from any particular analysis described above should not be taken to be the view of Stephens.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In performing its analyses, Stephens made numerous assumptions with respect to industry performance, general business, economic and regulatory conditions and other matters, many of which are beyond the control of MVB. The analyses performed by Stephens are not necessarily indicative of actual values, trading values or actual future results which might be achieved, all of which may be significantly more or less favorable than suggested by such analyses. The analyses do not purport to be appraisals or to reflect the prices at which companies may actually be sold, and such estimates are inherently subject to uncertainty.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens is serving as financial adviser to MVB in connection with the proposed merger and is entitled to receive from MVB reimbursement of its expenses and a fee for its services as financial advisor to MVB in an amount equal to $1,000,000, all of which is contingent upon the consummation of the proposed merger. Stephens also received a $200,000 fee from MVB upon rendering its fairness opinion, which opinion fee will be credited in full against the fee which will become payable to Stephens upon the closing of the proposed merger. The Company has also agreed to indemnify Stephens against certain claims and liabilities that could arise out of Stephens&#8217; engagement, including certain liabilities that could arise out of Stephens&#8217; providing its opinion.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Stephens is familiar with MVB and IFH. While Stephens has not received fees for providing investment banking services to MVB or IFH within the past two years, Stephens has provided securities brokerage services to MVB and received customary commissions and other compensation in connection with such services. Stephens expects to pursue future investment banking services assignments with participants in the proposed merger transaction. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the ordinary course of its business, Stephens Inc. and its affiliates and employees at any time may hold long or short positions, and may trade or otherwise effect transactions as principal or for the accounts of customers, in debt, equity or derivative securities of participants in the proposed merger.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;"><a name="tIFHREA"><!--Anchor--></a>IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">After careful consideration, IFH&#8217;s board of directors, at a meeting held on August&#160;10, 2022, unanimously determined the merger agreement and the transactions contemplated thereby to be fair and in the best interest of IFH and its shareholders. Accordingly, IFH&#8217;s board of directors adopted and approved the merger agreement and unanimously recommends that IFH&#8217;s shareholders vote &#8220;FOR&#8221; the approval of the merger agreement.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In evaluating the merger agreement and reaching its decision to adopt and approve the merger agreement and recommend that IFH&#8217;s shareholders approve the merger agreement, IFH&#8217;s board of directors consulted with IFH&#8217;s management, as well as its outside legal and financial advisors, and considered a number of factors, including the following material factors (not in any relative order of importance):</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">each of IFH&#8217;s and MVB&#8217;s business, operations, financial condition, stock performance, asset quality, earnings and prospects, and the interest rate environment; increased operating costs resulting from regulatory and compliance mandates; increasing competition from both banks and non-bank financial and financial technology firms; current financial market conditions; and the likely effects of the foregoing factors on IFH&#8217;s and the combined company&#8217;s potential growth, development, profitability and strategic options. In reviewing these factors, including the information obtained through due diligence, the IFH board of directors considered that IFH&#8217;s and MVB&#8217;s respective business, operations and risk profile complement each other and that the companies&#8217; separate earnings and prospects, and the synergies and scale potentially available in the proposed merger, create the opportunity for the combined company to leverage complementary and diversified revenue streams and to have superior future earnings and prospects compared to IFH&#8217;s earnings and prospects on a stand-alone basis;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB&#8217;s earnings track record and the market performance of its common stock, as well as MVB&#8217;s historical cash dividend payouts on its common stock; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the nature of the merger as an all-stock transaction and the ability of IFH&#8217;s shareholders to benefit from MVB&#8217;s potential growth and stock appreciation since it is more likely that the combined entity will have superior future earnings and prospects compared to IFH&#8217;s earnings and prospects on an </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">90<br></div></div></div>
<!--End Page 100-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 101-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg20"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="bl" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-align: left;">independent basis due to greater operating efficiencies and a larger balance sheet, which would, in particular, provide greater opportunities with respect to IFH&#8217;s core competency in the government-guaranteed lending space, as the combined institution&#8217;s larger asset size would enable the retention of the full economic benefits of larger loan transactions;</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the perceived ability of MVB to complete a merger transaction from a financial and regulatory perspective, and the prospects for such approvals being obtained in a timely fashion and without the imposition of any adverse conditions;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the financial and other terms of the merger agreement, including the amount and nature of the consideration proposed to be paid, which IFH&#8217;s board reviewed with its outside financial and legal advisors;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that the exchange ratio would be fixed, which the IFH board of directors believed was consistent with market practice for transactions of this type and with the strategic purpose of the transaction;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the termination right of IFH negotiated under the merger agreement that provides IFH a qualified termination right if MVB&#8217;s common stock underperforms both its historial price and the Nasdaq Bank Index by certain thresholds, as more fully described under &#8220;The Merger Agreement&#8212;Termination of the Merger Agreement&#8221; beginning on page <a href="#tTERMAGR">128</a>;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that the outside date under the merger agreement allows for sufficient time to complete the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the uniqueness of IFH&#8217;s strategy and long-term strategic plan, as compared to similarly sized community banks, and the fact that MVB&#8217;s strategic plan and initiatives uniquely mirror many of IFH&#8217;s goals and strategies, including the focus on non-interest income strategies and opportunities, a belief in investing in technology, and a shared belief in the strategic and financial benefits of partnering with, and investing in, emerging technologies and non-bank companies, such as Fintechs;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the opportunities and complementary aspects of IFH&#8217;s government-guaranteed lending platform and MVB&#8217;s low cost and non-interest bearing deposit franchise;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">MVB&#8217;s and IFH&#8217;s shared entrepreneurial cultures;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the expectation that the proposed merger with MVB will generally be a tax-free transaction to IFH&#8217;s shareholders with respect to MVB common stock received by virtue of the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the potential expense-saving and revenue-enhancing opportunities in connection with the merger, the related potential impact on the combined company&#8217;s earnings and the fact that the nature of the stock merger consideration would allow former IFH shareholders to participate in the potential future upside as MVB shareholders;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the expectation that the merger will provide holders of IFH common stock the opportunity to receive a substantial premium over the historical trading prices for their shares, as well as the increased trading volume of MVB&#8217;s common stock as compared to IFH&#8217;s common stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the anticipated effect of the acquisition on IFH&#8217;s retained employees, including new employment agreements to be entered into by MVB with certain key, revenue-generating employees of IFH, and the terms of severance for employees who would not be retained;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the financial analyses provided by Raymond James, IFH&#8217;s financial advisor, regarding the merger, and its opinion, delivered to IFH&#8217;s board of directors on August&#160;10, 2022, that as of that date, the exchange ratio provided under the merger agreement was fair, from a financial point of view, to the holders of IFH&#8217;s common stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the view of the IFH board of directors of the capability and likelihood for other potential counterparties to emerge and that, although the merger agreement contains a covenant prohibiting IFH from soliciting third-party acquisition proposals, it permits the IFH board of directors to consider and respond to unsolicited proposals, subject to certain requirements, as more fully described under &#8220;The Merger Agreement&#8212;Agreement Not to Solicit Other Offers&#8221; beginning on page <a href="#tAGREEN">127</a>;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">91<br></div></div></div>
<!--End Page 101-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 102-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg21"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH&#8217;s board of directors&#8217; knowledge of the current environment in the financial services industry, including national, regional and local economic conditions, continued industry consolidation, increased regulatory burdens, evolving trends in technology and increasing nationwide and global competition, the current financial market conditions, the current environment for community banks, and the likely effects of these factors on IFH&#8217;s and the combined company&#8217;s potential growth, development, profitability and strategic options, and the historical prices of IFH and MVB common shares;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its knowledge of IFH&#8217;s prospects as an independent entity, including challenges relating to rising interest rates, both from a funding perspective and the impact on IFH&#8217;s historical mortgage business; increased competition in the government guaranteed lending space from larger competitors, which could impact pricing as well as employee retention risk; and potential short-term declines in profitability if larger portions of its government guaranteed loans were retained to increase its asset size and grow its balance sheet on a stand-alone basis; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">its belief that the merger is more favorable to IFH&#8217;s shareholders than the alternatives to the merger, which belief was formed based on the careful review undertaken by IFH&#8217;s board of directors, with the assistance of its management and outside financial and legal advisors.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH&#8217;s board also considered potential risks and a variety of potential negative factors in connection with its deliberations concerning the merger agreement and the merger, including the following material factors (not in any relative order of importance):</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that, while IFH expects that the merger will be consummated, there can be no assurance that all conditions to the parties&#8217; obligations to complete the merger agreement will be satisfied, including the risk that certain regulatory approvals, the receipt of which are conditions to the consummation of the merger, might not be obtained, and, as a result, the merger may not be consummated;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the restrictions on the conduct of IFH&#8217;s business prior to the completion of the merger, which are customary for merger agreements involving financial institutions, but which, subject to specific exceptions, could delay or prevent IFH from undertaking business opportunities that may arise or any other action it would otherwise take with respect to the operations of IFH absent the pending completion of the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the impact of entering into the merger agreement on IFH&#8217;s recent strategic initiative to expand its cannabis and hemp lines of business, which may be deemphasized while the merger is pending and potentially discontinued if the merger is consummated; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the significant risks and costs involved in connection with entering into or completing the merger, or failing to complete the merger in a timely manner, or at all, including as a result of any failure to obtain required regulatory approvals or shareholder approvals, such as the risks and costs relating to diversion of management and employee attention from other strategic opportunities and operational matters, potential employee attrition, and the potential effect on business and customer relationships;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that IFH would be prohibited from soliciting acquisition proposals after execution of the merger agreement, and the possibility that the $3,900,000 termination fee payable by IFH upon the termination of the merger agreement under certain circumstances could discourage other potential acquirers from making a competing bid to acquire IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the fact that some of IFH&#8217;s directors and executive officers have other interests in the merger that are different from, or in addition to, their interests as IFH shareholders;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the possibility of litigation in connection with the merger; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the other risks described under the sections entitled &#8220;Risk Factors&#8221; and &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221;.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Based on the factors described above, the board of IFH determined that the merger with MVB would be advisable and in the best interests of IFH and its shareholders, and adopted the merger agreement and resolved to recommend its approval to the shareholders of IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing discussion of the information and factors considered by IFH&#8217;s board of directors is not intended to be exhaustive but includes the material factors considered by IFH&#8217;s board. In view of the wide variety of factors </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">92<br></div></div></div>
<!--End Page 102-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 103-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg22"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">considered in connection with its evaluation of the merger and the complexity of these matters, IFH&#8217;s board of directors did not find it useful, and did not attempt, to quantify, rank or otherwise assign relative weights to these factors. In considering the factors described above, the individual members of IFH&#8217;s board may have given different weight to different factors. IFH&#8217;s board of directors conducted an overall analysis of the factors described above including through discussions with, and questioning of, IFH&#8217;s management and IFH&#8217;s legal and financial advisors, and considered the factors overall to be favorable to, and to support, its determination to adopt the merger agreement and recommend its approval to IFH&#8217;s shareholders.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;"><a name="tOOI2"><!--Anchor--></a>Opinion of IFH&#8217;s Financial Advisor (summary section)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to an engagement letter, IFH retained Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;) as its financial advisor in connection with the proposed merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the meeting of the IFH board of directors on August&#160;10, 2022, representatives of Raymond James rendered Raymond James&#8217; opinion, as to the fairness, as of such date, from a financial point of view, to the holders of IFH&#8217;s outstanding common stock of the exchange ratio to be received by such holders in the merger pursuant to the merger agreement, based upon and subject to the qualifications, assumptions and other matters considered in connection with the preparation of its opinion. Raymond James&#8217; opinion does not cover shares of IFH&#8217;s common stock owned by IFH as treasury stock or owned by IFH or MVB or a subsidiary of either (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted). Further, Raymond James&#8217; opinion does not cover shares of IFH&#8217;s common stock held by IFH shareholders who perfect their appraisal rights in accordance with Article 13 of the NCBCA. The shares of IFH&#8217;s common stock that are not covered by Raymond James&#8217; opinion are referred to as &#8220;exception shares.&#8221; </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The full text of the written opinion of Raymond James, dated August&#160;10, 2022, which sets forth, among other things, the various qualifications, assumptions and limitations on the scope of the review undertaken, is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">D</font> to this joint proxy statement/prospectus. Raymond James provided its opinion for the information and assistance of the IFH board of directors (solely in its capacity as such) in connection with, and for purposes of, its consideration of the merger and its opinion only addresses whether the exchange ratio to be received by the holders of IFH&#8217;s common stock (other than exception shares) in the merger pursuant to the merger agreement was fair, from a financial point of view, to such holders. The opinion of Raymond James does not address the consideration to be received by the holders, if any, of exception shares.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The opinion of Raymond James did not address any other term or aspect of the merger agreement or the transactions contemplated thereby. The Raymond James opinion does not constitute a recommendation to the IFH board of directors or any holder of IFH common stock as to how the IFH board of directors, such shareholder or any other person should vote or otherwise act with respect to the merger or any other matter.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Opinion of IFH&#8217;s Financial Advisor (detailed section)</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH retained Raymond James as financial advisor on April&#160;8, 2022. Pursuant to that engagement, the IFH board of directors requested that Raymond James evaluate the fairness, from a financial point of view, to the holders of IFH&#8217;s outstanding common stock (other than exception shares) of the exchange ratio to be received by such holders pursuant to the merger agreement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At a meeting of the IFH board of directors held on August&#160;10, 2022, representatives of Raymond James rendered Raymond James&#8217; opinion, as of such date, that, based upon and subject to the qualifications, assumptions and other matters set forth in its written opinion, the exchange ratio in the merger pursuant to the merger agreement, was fair, from a financial point of view, to the holders of IFH common stock (other than exception shares). The full text of the written opinion of Raymond James, dated August&#160;10, 2022, which sets forth, among other things, the various qualifications, assumptions and limitations on the scope of the review undertaken, is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">D</font> to this joint proxy statement/prospectus. Any summaries of the opinion of Raymond James set forth in this joint proxy statement/prospectus are qualified in their entirety by reference to the full text of its written opinion. Holders of IFH common stock are urged to read this opinion in its entirety.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Raymond James provided its opinion for the information of the IFH board of directors (solely in its capacity as such) in connection with, and for purposes of, its consideration of the merger and its opinion only addresses whether the exchange ratio to be received by the holders of the common stock (other than exception shares) in the merger pursuant to the merger agreement was fair, from a financial point of view, to such holders. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">93<br></div></div></div>
<!--End Page 103-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 104-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg23"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The opinion of Raymond James does not address any other term or aspect of the merger agreement or the transactions contemplated thereby. The Raymond James opinion does not constitute a recommendation to the IFH board of directors or to any holder of IFH common stock as to how the IFH board of directors, such shareholder or any other person should vote or otherwise act with respect to the merger or any other matter. Raymond James does not express any opinion as to the likely trading range of MVB common stock following the merger, which may vary depending on numerous factors that generally impact the price of securities or on the financial condition of MVB at that time. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In connection with its review of the proposed merger and the preparation of its opinion, Raymond James, among other things:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial terms and conditions as stated in the draft of the merger agreement dated as of August&#160;9, 2022;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain information related to the historical condition and prospects of IFH and MVB, as made available to Raymond James by or on behalf of IFH, including, but not limited to, (a) financial projections for each of IFH and MVB prepared by the management of IFH (together the &#8220;Projections&#8221;) and (b) certain forecasts and estimates of potential cost savings, operating efficiencies, revenue effects, and other pro forma financial adjustments expected to result from the merger, which were authorized and reviewed by management of IFH (the &#8220;Pro Forma Financial Adjustments&#8221;); (see the section entitled &#8220;Certain Unaudited Prospective Financial Information&#8221; for additional information regarding unaudited prospective financial information of MVB and IFH);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed IFH&#8217;s and MVB&#8217;s (a) audited consolidated financial statements for the years ended December&#160;31, 2021, December&#160;31, 2020 and December&#160;31, 2019; and (b) unaudited consolidated financial statements for the three-month periods ended March&#160;31, 2022 and June&#160;30, 2022;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed IFH&#8217;s and MVB&#8217;s recent public filings and certain other publicly available information regarding IFH and MVB;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial and operating performance of IFH and MVB and those of other selected public companies that Raymond James deemed to be relevant;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">considered certain publicly available financial terms of certain transactions Raymond James deemed to be relevant; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the current and historical market prices and trading volume for IFH common stock and for MVB&#8217;s common stock, and the current market prices of the publicly traded securities of certain other companies that Raymond James deemed to be relevant;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">compared the relative contributions of IFH and MVB to certain financial statistics of the combined company on a pro forma basis; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">conducted such other financial studies, analyses and inquiries and considered such other information and factors as Raymond James deemed appropriate;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">received a certificate addressed to Raymond James from a member of senior management of IFH regarding, among other things, the accuracy of the information, data and other materials (financial or otherwise) provided to, or discussed with, Raymond James by or on behalf of IFH; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">discussed with members of the senior management of IFH and MVB certain information relating to the aforementioned and any other matters which Raymond James deemed relevant to its inquiry including, but not limited to, the past and current business operations of IFH and MVB, respectively, and the financial condition and future prospects and operations of IFH and MVB, respectively.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">With IFH&#8217;s consent, Raymond James assumed and relied upon the accuracy and completeness of all information supplied by or on behalf of IFH or otherwise reviewed by or discussed with Raymond James, and Raymond James did not undertake any duty or responsibility to, nor did Raymond James, independently verify any of such information. Raymond James did not make or obtain an independent appraisal of the assets or liabilities (contingent or otherwise) of IFH. With respect to the Projections and any other information and data provided to or otherwise reviewed by or discussed with Raymond James, Raymond James, with IFH&#8217;s consent, assumed that the Projections and such other information and data were reasonably prepared in good faith on bases reflecting </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">94<br></div></div></div>
<!--End Page 104-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 105-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg24"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">the best currently available estimates and judgments of management of IFH and Raymond James relied upon IFH to advise Raymond James promptly if any information previously provided became inaccurate or was required to be updated during the period of its review. Raymond James expressed no opinion with respect to the Projections or the assumptions on which they were based. Based upon the terms specified in the merger agreement, Raymond James assumed that the merger will qualify as a reorganization under the provisions of Section 368(a) of the Code. Raymond James relied upon and assumed, without independent verification, that the final form of the merger agreement would be substantially similar to the draft agreement reviewed by Raymond James in all respects material to its analysis, and that the merger would be consummated in accordance with the terms of the merger agreement without waiver of or amendment to any of the conditions thereto. Furthermore, Raymond James assumed, in all respects material to its analysis, that the representations and warranties of each party contained in the merger agreement were true and correct and that each party will perform all of the covenants and agreements required to be performed by it under the merger agreement without being waived. Raymond James also relied upon and assumed, without independent verification, that (i)&#160;the merger would be consummated in a manner that complies in all respects with all applicable international, federal and state statutes, rules and regulations, and (ii)&#160;all governmental, regulatory or other consents and approvals necessary for the consummation of the merger will be obtained and that no delay, limitations, restrictions or conditions will be imposed or amendments, modifications or waivers made that would have an effect on the merger or IFH that would be material to its analysis or opinion. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Raymond James expressed no opinion as to the underlying business decision to effect the merger, the structure or tax consequences of the merger, or the availability or advisability of any alternatives to the merger. The Raymond James opinion is limited to the fairness, from a financial point of view, of the exchange ratio to be received by the holders of IFH common stock (other than exception shares). Raymond James expressed no opinion with respect to any other reasons (legal, business, or otherwise) that may support the decision of IFH&#8217;s board of directors to approve or consummate the merger. Furthermore, no opinion, counsel or interpretation was intended by Raymond James on matters that require legal, accounting or tax advice. Raymond James assumed that such opinions, counsel or interpretations had been or would be obtained from appropriate professional sources. Furthermore, Raymond James relied, with the consent of IFH, on the fact that IFH was assisted by legal, accounting and tax advisors, and, with the consent of IFH relied upon and assumed the accuracy and completeness of the assessments by IFH and its advisors, as to all legal, accounting and tax matters with respect to IFH and the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In formulating its opinion, Raymond James considered only the exchange ratio to be received by the holders of IFH common stock, and Raymond James did not consider, and its opinion did not address, the fairness of the amount or nature of any compensation to be paid or payable to any of the officers, directors or employees of IFH, or such class of persons, in connection with the merger whether relative to the exchange ratio or otherwise. Raymond James was not requested to opine as to, and its opinion did not express an opinion as to or otherwise address, among other things: (1) the fairness of the merger to the holders of any class of securities, creditors or other constituencies of IFH, or to any other party, except and only to the extent expressly set forth in the last sentence of its opinion or (2) the fairness of the merger to any one class or group of IFH&#8217;s or any other party&#8217;s security holders or other constituents vis-&#224;-vis any other class or group of IFH&#8217;s or such other party&#8217;s security holders or other constituents (including, without limitation, the allocation of any consideration to be received in the merger amongst or within such classes or groups of security holders or other constituents). Raymond James expressed no opinion as to the impact of the merger on the solvency or viability of IFH or the ability of IFH to pay their respective obligations when they come due.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20pt; margin-left: 0pt; text-align: left;">Material Financial Analyses</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following summarizes the material financial analyses reviewed by Raymond James with the IFH board of directors at its meeting on August&#160;10, 2022, which material was considered by Raymond James in rendering its opinion. No company or transaction used in the analyses described below is identical or directly comparable to IFH, MVB or the contemplated merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Contribution Analysis. <font style="font-style: normal; font-weight: normal;">Raymond James analyzed the relative contribution of IFH and MVB to certain financial </font><font style="font-style: normal; font-weight: normal;">and operating metrics for the pro forma combined company resulting from the merger. The financial and </font><font style="font-style: normal; font-weight: normal;">operating metrics included: (i)&#160;total assets; (ii)&#160;total gross loans; (iii)&#160;total deposits; (iv)&#160;tangible common equity; </font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">95<br></div></div></div>
<!--End Page 105-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 106-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg25"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">(v)&#160;last twelve months (&#8220;LTM&#8221;) net income; (vi)&#160;estimated 2022 net income and; (vii)&#160;estimated 2023 net income. Metrics (i) &#8211; (v)&#160;above were as of June&#160;30, 2022. The relative contribution analysis did not give effect to the Pro Forma Financial Adjustments. The results of this analysis are summarized in the table below:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 36.46%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Relative Contribution</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 11.68%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exchange Ratio</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.39%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Financial</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated Financial Holdings</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total Assets<font style="padding-left: 4.21pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">87.3%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">12.7%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">0.81x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total Gross Loans<font style="padding-left: 3.67pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">87.2%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">12.8%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">0.81x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total Deposits<font style="padding-left: 4.77pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">88.7%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;"><font style="padding-left: 0.37pt;">11.3%</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">0.71x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Common Equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 4.36pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">78.9%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">21.1%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">1.49x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Net Income<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 3.48pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">84.6%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">15.4%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">1.01x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022E Net Income<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)(3)</sup><font style="padding-left: 3.82pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">84.3%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">15.7%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">1.04x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023E Net Income<font style="padding-left: 1.3pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.91pt; text-align: left;">85.4%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 43.24pt; text-align: left;">14.6%</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;"><font style="padding-left: 5pt;">0.95x</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Ratio in the Merger<font style="padding-left: 4.84pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.39%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.22%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.68%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.07pt; text-align: left;">1.210x</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">IFH statistic adjusted for settlement of pending lawsuit assumes $10.0&#160;million pre-tax charge, which IFH expects to accrue for in Q3 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">LTM and 2022E net income exclude the 2022Q1 nonrecurring after-tax gain on Dogwood State Bank (DSBX) stock of approximately $4.3&#160;million</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">2022E net income excludes the impact of $10.0&#160;million pre-tax accrual for pending litigation for illustrative purposes </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Discounted Cash Flow Analysis. <font style="font-style: normal; font-weight: normal;">Raymond James performed a discounted cash flow analysis of IFH and MVB </font><font style="font-style: normal; font-weight: normal;">based on the Projections. Consistent with the periods included in the Projections, Raymond James used calendar </font><font style="font-style: normal; font-weight: normal;">year 2026 as the final year for the analysis and applied multiples, ranging from 12.0x to 14.0x, to calendar year </font><font style="font-style: normal; font-weight: normal;">2027 earnings in order to derive a range of terminal values for IFH and MVB in 2026.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For IFH, Raymond James used discount rates ranging from 14% to 16%. For MVB, Raymond James used discount rates ranging from 11.5% to 13.5%. Raymond James arrived at its discount rate ranges by using the 2021 Duff &amp; Phelps Valuation Handbook. Raymond James reviewed the ranges of implied per share values indicated by the discounted cash flow analysis for both IFH and MVB and calculated a range of implied exchange ratios by dividing the maximum implied per share value of IFH common stock by the minimum implied per share value of MVB common stock to calculate the maximum implied exchange ratio, and by dividing the minimum implied per share value of IFH common stock by the maximum implied per share value of MVB common stock to calculate the minimum implied exchange ratio. The results of the discounted cash flow analysis are summarized in the table below:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 39.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied Per Share Value</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" rowspan="2" style="width: 17%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exchange Ratio </div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.12%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Financial</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated Financial Holdings </div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Low</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">High</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.47%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Low</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.47%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">High</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Low/High</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">High/Low</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net Income Terminal Multiple<font style="padding-left: 2.87pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$46.35</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$56.22</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.47%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.75pt; text-align: left;">$46.70</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.47%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.75pt; text-align: left;">$52.91</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">0.83x</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">1.14x</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Ratio in the Merger<font style="padding-left: 3.84pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.47%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.47%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 17%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1.210x</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Selected Companies Analysis<font style="font-weight: normal;">. </font><font style="font-style: normal; font-weight: normal;">Raymond James reviewed certain data for selected companies with publicly traded </font><font style="font-style: normal; font-weight: normal;">equity securities that it deemed relevant for its analysis. The selected groups represent companies Raymond </font><font style="font-style: normal; font-weight: normal;">James believed relevant to each of IFH and MVB. For MVB, Raymond James selected certain companies that </font><font style="font-style: normal; font-weight: normal;">(i)&#160;are headquartered in North Carolina, Virginia, or West Virginia; (ii)&#160;have total assets between $1.5&#160;billion and </font><font style="font-style: normal; font-weight: normal;">$5.0&#160;billion; and (iii)&#160;have a return on average assets greater than 0.50% for the last twelve months. For IFH, </font><font style="font-style: normal; font-weight: normal;">Raymond James selected certain companies that (i)&#160;are headquartered in the North Carolina, South Carolina, or </font><font style="font-style: normal; font-weight: normal;">Virginia; (ii)&#160;have total assets between $300&#160;million and $800&#160;million; and (iii)&#160;have a return on average assets </font><font style="font-style: normal; font-weight: normal;">greater than 0.50% for the last twelve months.</font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">96<br></div></div></div>
<!--End Page 106-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 107-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg26"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">No company used in the analysis described below is identical or directly comparable to either MVB or IFH. The selected companies Raymond James deemed relevant based on the criteria noted above include the following:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 48.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Companies for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Financial</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Companies for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Southern BancShares (NC) (SBNC)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Village Bank &amp; Tr Finl Corp. (VBFC)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Carter Bankshares (CARE)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">PB Financial Corporation (PBNC)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Summit Financial Group Inc. (SMMF)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Bank of Botetourt (BORT)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Burke &amp; Herbert Bank &amp; Trust (BHRB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Community First Bancorporation (CFOK)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">HomeTrust Bancshares Inc. (HTBI)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Bank of South Carolina Corp. (BKSC)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">First Community Bankshares Inc (FCBC)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Oak Ridge Financial Services (BKOR)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Primis Financial Corp. (FRST)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Farmers Bankshares Inc. (FBVA)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">American National Bankshares (AMNB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Touchstone Bankshares (TSBA)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Blue Ridge Bankshares Inc. (BRBS)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Citizens Bancorp of Virginia (CZBT)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">C&amp;F Financial Corp. (CFFI)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">KS Bancorp Inc. (KSBI)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">John Marshall Bancorp Inc. (JMSB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Surrey Bancorp (SRYB)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">FVCBankcorp Inc. (FVCB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Lumbee Guaranty Bank (LUMB)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">MainStreet Bcshs (MNSB)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">M&amp;F Bancorp Inc. (MFBP)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Virginia National Bkshs Corp. (VABK)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">blueharbor bank (BLHK)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">National Bankshares Inc. (NKSH)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Lifestore Financial Group (LSFG)</div></td></tr><tr><td style="width: 48.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Peoples Bancorp of NC Inc. (PEBK)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Oak View Bankshares (OAKV)</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Raymond James calculated various financial multiples for each company, including closing price per share on August&#160;9, 2022 compared to (i)&#160;basic tangible book value, which is referred to as &#8220;TBV&#8221;, per share as of the most recent quarter available as shown by S&amp;P Capital IQ Pro; and (ii)&#160;earnings per share for the last twelve months ended June&#160;30, 2022. Raymond James reviewed the 75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile and 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile relative valuation multiples of the selected companies. The results of the selected companies analysis for both IFH and for MVB are summarized below:</div></div><div class="columns" style="width: 468pt; margin-left: 0pt;"><div class="block-main-columns" style="width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.63%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 47.17%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Companies <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">for MVB Financial</div></td></tr><tr class="header"><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.63%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 21.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 1.63%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.63%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 21.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td></tr><tr><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Book Value<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 21.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.72pt; text-align: left;">115%</div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 21.95%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.47pt; text-align: left;"><font style="padding-left: 2.13pt;">150%</font></div></td></tr><tr><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Earnings per Share<font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 21.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.72pt; text-align: left;"><font style="padding-left: 2.13pt;">9.4x</font></div></td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.63%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 21.95%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.47pt; text-align: left;">11.8x</div></td></tr></table></div><div class="block-main-columns" style="margin-left: 12pt; width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 47.25%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Selected Companies for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated Financial Holdings</div></td></tr><tr class="header"><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 22.04%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 22.04%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td></tr><tr><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Earnings per Share<font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.62pt; text-align: left;"><font style="padding-left: 2.5pt;">8.3x</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 22.04%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.37pt; text-align: left;">10.4x</div></td></tr><tr><td style="width: 49.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Book Value<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.62pt; text-align: left;">101%</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 22.04%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.37pt; text-align: left;"><font style="padding-left: 2.5pt;">125%</font></div></td></tr></table></div><div style="clear: both;"> </div></div><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Taking into account the results of the selected companies analysis, Raymond James applied the 75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> and 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentiles of the price to TBV per share ratio to corresponding financial data for both IFH and MVB. Raymond James reviewed the ranges of implied per share values and calculated a range of implied exchange ratios by dividing the higher implied per share value of IFH by the lower implied per share value of MVB to calculate the high implied exchange ratio, and by dividing the lower implied per share value of IFH by the higher implied per share value of MVB to calculate the low implied exchange ratio. The results of the selected companies analysis are summarized below:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 48.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied Per Share Value</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 0.99%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" rowspan="2" style="width: 16.6%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exchange Ratio</div></td></tr><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.36%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB Financial</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.36%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated Financial Holdings</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Low/High</div></td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.99%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">High/Low</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Book Value<font style="padding-left: 0.73pt;"></font></div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;">$23.19</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;">$30.15</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.16pt; text-align: left;">$29.56 <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.15pt; text-align: left;">$36.74 <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">0.98x</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">1.58x</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Earnings per Share<font style="padding-left: 0.24pt;"></font></div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;">$19.31</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;">$24.13</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.16pt; text-align: left;">$17.57</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.15pt; text-align: left;">$22.20</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">0.73x</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">1.15x</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Ratio in the Merger<font style="padding-left: 2.84pt;"></font></div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.99%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td colspan="4" style="width: 16.6%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1.210x</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 13.25pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Adjustment for settlement of pending lawsuit assumed $10.0&#160;million pre-tax charge which IFH expects to accrue in Q3 2022</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">97<br></div></div></div>
<!--End Page 107-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 108-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg27"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Selected Transaction Analysis<font style="font-weight: normal;">. </font><font style="font-style: normal; font-weight: normal;">Raymond James analyzed publicly available information relating to selected </font><font style="font-style: normal; font-weight: normal;">acquisitions of banks and bank holding companies with total assets between $300&#160;million and $800&#160;million and a </font><font style="font-style: normal; font-weight: normal;">return on average assets greater than 0.50% for the last twelve months since January&#160;1, 2022 and prepared a </font><font style="font-style: normal; font-weight: normal;">summary of the relative valuation multiples paid in these transactions. The selected transactions used in the </font><font style="font-style: normal; font-weight: normal;">analysis included: </font></div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Selected National Transactions<font style="font-style: normal;">: </font></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Bank First Corporation / Hometown Bancorp Ltd. &#8211; July&#160;26, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">HomeTrust Bancshares Inc. / Quantum Capital Corp. &#8211; July&#160;25, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Somerset Savings Bank SLA / Regal Bancorp Inc. &#8211; July&#160;25, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">CrossFirst Bankshares, Inc, / Farmers &amp; Stockmens Bank &#8211; June&#160;13, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Middlefield Banc Corp. / Liberty Bancshares (Ada OH) &#8211; May&#160;26, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Cambridge Bancorp / Northmark Bank &#8211; May&#160;23, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">DFCU Financial / First Citrus Bancorp, Inc. &#8211; May&#160;12, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Arizona FCU / Horizon Community Bank &#8211; March&#160;10, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">BAWAG Group AG / Peak Bancorp &#8211; February&#160;2, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Bank First Corporation / Denmark Bancshares Inc. &#8211; January&#160;19, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Civista Bancshares, Inc. / Comunianc Corp. &#8211; January&#160;10, 2022</div></td></tr></table><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Selected Regional Transactions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">HomeTrust Bancshares Inc. / Quantum Capital Corp. &#8211; July&#160;25, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">DFCU Financial / First Citrus Bancorp, Inc. &#8211; May&#160;12, 2022</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Seacoast Banking Corp. of FL / Sabal Palm Bancorp, Inc. &#8211; August&#160;23, 2021 </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Lake Michigan CU / Pilot Bancshares Inc. &#8211; June&#160;16, 2021</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">United Community Banks Inc. / Aquesta Financial Holdings &#8211; May&#160;27, 2021</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Colony Bankcorp Inc. / SouthCrest Financial Group, Inc. &#8211; April&#160;22, 2021</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">SmartFinancial Inc. / Sevier County Bancshares Inc. &#8211; April&#160;14, 2021</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Seacoast Banking Corp. of FL / Legacy Bank of Florida &#8211; March&#160;23, 2021</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">BancorpSouth Bank / FNS Bancshares Inc. &#8211; January&#160;13, 2021</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">98<br></div></div></div>
<!--End Page 108-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 109-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg28"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Raymond James examined valuation multiples of transaction value compared to the target companies&#8217; (i)&#160;basic TBV per share at June&#160;30, 2022, adjusted for settlement of pending lawsuit assuming a $10.0&#160;million pre-tax charge, which IFH will accrue for in the third quarter of 2022; (ii)&#160;capital adjusted TBV, calculated based on the pricing of the first 8.0% of tangible common equity; (iii)&#160;last twelve months earnings per share, referred to as &#8220;LTM earnings per share&#8221;; (iv)&#160;premium to tangible book value divided by core deposits (total deposits less time deposits greater than $100,000). Raymond James applied the 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile and 75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> percentile TBV multiple, capital adjusted TBV, LTM earnings per share multiple, and core deposit premium to the corresponding IFH metrics to create the range of exchange ratios used for its analysis based on MVB&#8217;s closing stock price as of August&#160;9, 2022 ($32.60). The results of the selected national and regional transactions analyses, respectively, are summarized below:</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">National Transactions</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 13.29%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Financial Statistic</div></td><td class="gutter" rowspan="2" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentiles</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exchange Ratio</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Book Value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 10pt;">29.34</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;"><font style="padding-left: 2.5pt;">138%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;"><font style="padding-left: 2.5pt;">191%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">1.24x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.72x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Capital Adj. Tangible Book Value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 10pt;">13.55</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;"><font style="padding-left: 2.5pt;">139%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;"><font style="padding-left: 2.5pt;">196%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">0.58x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">0.81x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Earnings per Share<font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 15pt;">2.13</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">13.9x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">19.2x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">0.91x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.25x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premium to Core Deposits<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$255,620</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;"><font style="padding-left: 5pt;">4.1%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">10.0%</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">1.04x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.25x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Ratio in the Merger<font style="padding-left: 1.84pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1.210x</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Regional Transactions</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" rowspan="2" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 13.29%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Integrated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Financial Statistic</div></td><td class="gutter" rowspan="2" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Percentiles</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Implied <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exchange Ratio</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">75<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Percentile</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Book Value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 10pt;">29.34</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.45pt; text-align: left;"><font style="padding-left: 2.13pt;">153%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;"><font style="padding-left: 2.5pt;">187%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">1.38x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.68x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Capital Adj. Tangible Book Value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 10pt;">13.55</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.45pt; text-align: left;"><font style="padding-left: 2.13pt;">147%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;"><font style="padding-left: 2.5pt;">199%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">0.61x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">0.83x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">LTM Earnings per Share<font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$<font style="padding-left: 15pt;">2.13</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.45pt; text-align: left;">11.9x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">18.1x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">0.78x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.18x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premium to Core Deposits<font style="padding-left: 1.64pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.35pt; text-align: left;">$255,620</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.45pt; text-align: left;"><font style="padding-left: 4.63pt;">5.1%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;"><font style="padding-left: 5pt;">9.8%</font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.28pt; text-align: left;">1.08x</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.27pt; text-align: left;">1.24x</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exchange Ratio in the Merger<font style="padding-left: 1.84pt;"></font></div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td colspan="4" style="width: 23%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">1.210x</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 12.75pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">IFH statistic adjusted for settlement of pending lawsuit assumed $10.0&#160;million pre-tax charge which IFH expects to accrue in Q3 2022</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pro Forma Impact Analysis.<font style="font-style: normal; font-weight: normal;"> For informational purposes only, Raymond James performed a pro forma financial </font><font style="font-style: normal; font-weight: normal;">impact analysis that combined projected balance sheet and 2023 and 2024 estimated earnings per share </font><font style="font-style: normal; font-weight: normal;">information of MVB and IFH using (i)&#160;closing balance sheet estimates as of December&#160;31, 2022 for MVB and </font><font style="font-style: normal; font-weight: normal;">IFH based on IFH management estimates; (ii)&#160;the Projections for the years ending 2023 and 2024; and (iii)&#160;the </font><font style="font-style: normal; font-weight: normal;">Pro Forma Financial Adjustments. Raymond James analyzed the estimated financial impact of the merger on </font><font style="font-style: normal; font-weight: normal;">certain projected financial results. This analysis indicated that the merger could be dilutive to IFH&#8217;s estimated </font><font style="font-style: normal; font-weight: normal;">TBV per share, as adjusted for the exchange ratio, at December&#160;31, 2022, but accretive to IFH&#8217;s estimated 2023 </font><font style="font-style: normal; font-weight: normal;">and 2024 earnings per share and estimated 2023 dividends per share, as adjusted for the exchange ratio. For all </font><font style="font-style: normal; font-weight: normal;">of the above analyses, the actual results achieved by MVB following the merger may vary from the projected </font><font style="font-style: normal; font-weight: normal;">results, and the variations may be material. See the section entitled &#8220;Certain Unaudited Prospective Financial </font><font style="font-style: normal; font-weight: normal;">Information&#8221; for additional information regarding unaudited financial information of MVB and IFH;</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Additional Considerations<font style="font-weight: normal;">.</font><font style="font-style: normal; font-weight: normal;"> The preparation of a fairness opinion is a complex process and is not susceptible to a </font><font style="font-style: normal; font-weight: normal;">partial analysis or summary description. Raymond James believes that its analyses must be considered as a whole </font><font style="font-style: normal; font-weight: normal;">and that selecting portions of its analyses, without considering the analyses taken as a whole, would create an </font><font style="font-style: normal; font-weight: normal;">incomplete view of the process underlying its opinion. In addition, Raymond James considered the results of all </font><font style="font-style: normal; font-weight: normal;">such analyses and did not assign relative weights to any of the analyses, but rather made qualitative judgments as </font><font style="font-style: normal; font-weight: normal;">to significance and relevance of each analysis and factor, so the ranges of valuations resulting from any particular </font><font style="font-style: normal; font-weight: normal;">analysis described above should not be taken to be the view of Raymond James as to the actual value of IFH. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In performing its analyses, Raymond James made numerous assumptions with respect to industry performance, general business, economic and regulatory conditions and other matters, many of which are beyond the control of </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">99<br></div></div></div>
<!--End Page 109-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 110-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg29"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">IFH. The analyses performed by Raymond James are not necessarily indicative of actual values, trading values or actual future results which might be achieved, all of which may be significantly more or less favorable than suggested by such analyses. Such analyses were provided to the IFH board of directors (solely in its capacity as such) and were prepared solely as part of the analysis of Raymond James of the fairness, from a financial point of view, to the holders of IFH common stock (other than exception shares) of the exchange ratio to be received by such holders in connection with the proposed merger pursuant to the merger agreement. The analyses do not purport to be appraisals or to reflect the prices at which companies may actually be sold, and such estimates are inherently subject to uncertainty. The opinion of Raymond James was one of many factors taken into account by the IFH board of directors in making its determination to approve the merger. Neither Raymond James&#8217; opinion nor the analyses described above should be viewed as determinative of the IFH board of directors&#8217; or IFH management&#8217;s views with respect to the IFH, MVB or the merger. Raymond James did not solicit indications of interest with respect to a transaction involving IFH nor did Raymond James advise IFH with respect to its strategic alternatives. IFH placed no limits on the scope of the analysis performed, or opinion expressed, by Raymond James. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Raymond James opinion was necessarily based upon market, economic, financial and other circumstances and conditions existing and disclosed to it on August&#160;9, 2022, and any material change in such circumstances and conditions may affect the opinion of Raymond James, but Raymond James does not have any obligation to update, revise or reaffirm that opinion. Raymond James relied upon and assumed, without independent verification, that there had been no change in the business, assets, liabilities, financial condition, results of operations, cash flows or prospects of IFH since the respective dates of the most recent financial statements and other information, financial or otherwise, provided to Raymond James that would be material to its analyses or its opinion, and that there was no information or any facts that would make any of the information reviewed by Raymond James incomplete or misleading in any material respect.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During the two years preceding the date of Raymond James&#8217; written opinion, Raymond James (i)&#160;provided investment banking advisory services to MVB in connection with a minority investment in Warp Speed Holdings LLC, for which Raymond James received a retainer fee and additional fees when the investment closed, (ii)&#160;provided investment banking services to MVB in connection with two private debt offerings for which Raymond James received fees, (iii)&#160;Raymond James Bank arranged a holding company loan to MVB that is unrelated to the merger for which it received a fee, and (iv)&#160;engaged in certain fixed income trading activity with MVB Bank, a subsidiary of MVB, for which it has received commissions. Furthermore, Raymond James may provide investment banking, financial advisory and other financial services to IFH, MVB or their subsidiaries or affiliates in the future, for which Raymond James may receive compensation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For services rendered in connection with the delivery of its opinion, IFH paid Raymond James a customary investment banking fee of $350,000 upon delivery of its opinion. IFH will also pay Raymond James a fee for advisory services in connection with the merger, a substantial portion of which is contingent upon the closing of the merger. The amount of the fee is equal to one and three-eighths percent (1.375%) of transaction value equal to or less than $105,000,000 (&#8220;Tier 1 Fee&#8221;). For transactions with transaction value between $105,000,000 and $134,999,999, the amount of the fee is equal to the sum of the Tier 1 Fee plus two and one-quarter percent (2.25%) of the incremental transaction value in excess of $105,000,000 and less than or equal to $134,999,999. For transactions with transaction value greater than $134,999,999, the amount of the fee is equal to the sum of the Tier 1 Fee plus two and one-half percent (2.50%) of incremental transaction value in excess of $105,000,000. IFH also agreed to reimburse Raymond James for its expenses incurred in connection with its services, including the fees and expenses of its counsel, and has agreed to indemnify Raymond James against certain liabilities that could arise out of its engagement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Raymond James is actively involved in the investment banking business and regularly undertakes the valuation of investment securities in connection with public offerings, private placements, business combinations and similar transactions. In the ordinary course of business, Raymond James may trade in the securities of IFH and MVB for its own account and for the accounts of its customers and, accordingly, may at any time hold a long or short position in such securities.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tCERUN"><!--Anchor--></a>Certain Unaudited Prospective Financial Information</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH do not, as a matter of course, publicly disclose forecasts or internal projections as to their respective future performance, earnings or other results due to, among other reasons, the inherent uncertainty of the underlying assumptions and estimates.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">100<br></div></div></div>
<!--End Page 110-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 111-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg30"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">However, in connection with the merger, MVB&#8217;s senior management and IFH&#8217;s senior management prepared or approved for use certain unaudited prospective financial information which was provided to and considered by Stephens and Raymond James for the purpose of performing financial analyses in connection with their respective fairness opinions, as described in this joint proxy statement/prospectus under &#8220;&#8212;Opinion of MVB&#8217;s Financial Advisor&#8221; beginning on page <a href="#tOOMVB">81</a> and &#8220;&#8212;Opinion of IFH&#8217;s Financial Advisor&#8221; beginning on page <a href="#tOOI2">93</a>. We refer to this information collectively as the &#8220;prospective financial information&#8221;.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The prospective financial information was not prepared for the purpose of, or with a view toward, public disclosure or with a view toward complying with the guidelines established by the American Institute of Certified Public Accountants for preparation and presentation of prospective financial information, published guidelines of the SEC regarding forward-looking statements or generally accepted accounting principles. A summary of certain significant elements of this information is set forth below, and is included in this joint proxy statement/prospectus solely for the purpose of providing holders of MVB common stock and holders of IFH common stock access to certain nonpublic information made available to MVB&#8217;s and IFH&#8217;s financial advisors for the purpose of performing financial analyses in connection with their respective fairness opinions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Although presented with numeric specificity, the prospective financial information reflects numerous estimates and assumptions made by MVB&#8217;s senior management or IFH&#8217;s senior management, as applicable, at the time such prospective financial information was prepared or approved for use by the financial advisors and represents, as applicable, MVB senior management&#8217;s or IFH senior management&#8217;s respective evaluation of MVB&#8217;s expected future financial performance on a stand-alone basis, without reference to the merger, and IFH&#8217;s expected future financial performance on a stand-alone basis, without reference to the merger. These and the other estimates and assumptions underlying the prospective financial information involve judgments with respect to, among other things, economic, competitive, regulatory and financial market conditions and future business decisions that may not be realized and that are inherently subject to significant business, economic, competitive and regulatory uncertainties and contingencies, including, among other things, the inherent uncertainty of the business and economic conditions affecting the industry in which MVB and IFH operate and the risks and uncertainties described under &#8220;Risk Factors&#8221; and &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; in this joint proxy statement/prospectus and in the reports that MVB files with the SEC from time to time, all of which are difficult to predict and many of which are outside the control of MVB and IFH and will be beyond the control of the combined company. There can be no assurance that the underlying assumptions would prove to be accurate or that the projected results would be realized, and actual results could differ materially from those reflected in the prospective financial information, whether or not the merger is completed. Neither MVB nor IFH endorses the prospective financial information as necessarily predictive of actual future results. Further, these assumptions do not include all potential actions that the senior management of MVB or IFH could or might have taken during these time periods. The inclusion in this joint proxy statement/prospectus of the unaudited prospective financial information below should not be regarded as an indication that MVB, IFH or their respective boards of directors or financial advisors considered, or now consider, this prospective financial information to be material information to any holders of MVB common stock or holders of IFH common stock, as the case may be, particularly in light of the inherent risks and uncertainties associated with such prospective financial information. This information should not be construed as financial guidance and it should not be relied on as such. This information was prepared solely for internal use and is subjective in many respects and thus is susceptible to multiple interpretations and periodic revisions based on actual experience and business developments. The prospective financial information is not fact and should not be relied upon as being necessarily indicative of actual future results. The prospective financial information also reflects numerous variables, expectations and assumptions available at the time it was prepared as to certain business decisions that are subject to change and do not take into account any circumstances or events occurring after the date they were prepared. Further, the prospective financial information does not take into account the effect of any possible failure of the merger to occur. No assurances can be given that if the prospective financial information and the underlying assumptions had been prepared as of the date of this joint proxy statement/prospectus, similar assumptions would be used. In addition, the prospective financial information may not reflect the manner in which the combined company would operate after the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The prospective financial information included in this document has been prepared by, and is the responsibility of, management of MVB and IFH. FORVIS, LLP (formerly Dixon Hughes Goodman LLP) (MVB&#8217;s independent registered public accounting firm) and Elliott Davis, PLLC (IFH&#8217;s independent auditor) have not audited, reviewed, examined, compiled nor applied agreed upon procedures with respect to the prospective financial </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">101<br></div></div></div>
<!--End Page 111-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 112-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg31"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">information and, accordingly, FORVIS, LLP and Elliott Davis, PLLC have not expressed any opinion or given any other form of assurance with respect thereto and they assume no responsibility for the prospective financial information. The report of FORVIS, LLP incorporated by reference in this joint proxy statement/prospectus and the report of Elliott Davis, PLLC included in this joint proxy statement/prospectus relate to the historical financial information of MVB and IFH, respectively. Such reports do not extend to the prospective financial information and should not be read to do so. No independent registered public accounting firm has examined, compiled or otherwise performed any procedures with respect to the prospective financial information and, accordingly, no independent registered public accounting firm has expressed any opinion or given any other form of assurance with respect thereto and no independent registered public accounting firm assumes any responsibility for the prospective financial information.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Prospective Financial Information Regarding MVB - Stephens</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following prospective financial information regarding MVB was used by Stephens in performing its financial analysis with respect to MVB on a stand-alone basis: (i)&#160;estimated earnings per share for MVB of $1.02 for the period from July&#160;1, 2022 to December&#160;31, 2022, $2.86 for the year ending December&#160;31, 2023, and $4.50 for the year ending December&#160;31, 2024, per median research analyst consensus estimates; and (ii)&#160;an annual earnings per share growth rate thereafter of 5.0%, per MVB management.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table presents certain unaudited prospective financial information for MVB from July&#160;1, 2022 through December&#160;31, 2026.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">6 Months <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ended</div></td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 53.21%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">12 Months Ended</div></td></tr><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2023</div></td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2024</div></td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2025</div></td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.49%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2026</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings Per Share<font style="padding-left: 3.2pt;"></font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">1.02</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.41pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.86</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.50</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.27pt; text-align: left;">$<font style="padding-left: 22.13pt;">4.73</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.96</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common Dividends Per Share<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.34</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.41pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.68</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.68</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.27pt; text-align: left;">$<font style="padding-left: 22.13pt;">0.68</font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.68</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Assets ($000s)<font style="padding-left: 3.9pt;"></font></div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,060,968</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.41pt; text-align: left;">$3,222,402</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,412,073</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.27pt; text-align: left;">$3,611,652</div></td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.49%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;"><font style="padding-left: 5pt;">3,821,637</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing prospective financial information regarding MVB was based on information provided to Stephens by MVB management and on research analyst consensus estimates and was approved by MVB for use by Stephens in connection with developing its fairness opinion. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Prospective Financial Information Regarding IFH &#8211; Stephens</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following prospective financial information regarding IFH was used by Stephens in performing its financial analysis with respect to IFH on a stand-alone basis: (i)&#160;estimated net income available to common shareholders of IFH of ($4.1) million for the period from July&#160;1, 2022 to December&#160;31, 2022, which included a ($7.4) million net after-tax expense related to an estimated litigation settlement, $6.1&#160;million for the year ending December&#160;31, 2023 and $7.2&#160;million for the year ending December&#160;31, 2024 and (ii)&#160;an annual net income growth rate of 10.0% thereafter. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table presents certain unaudited prospective financial information for IFH for from July&#160;1, 2022 through December&#160;31, 2026, which Stephens used in its net present value analysis in connection with developing its fairness opinion.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">6 Months <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ended</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 48.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">12 Months Ended</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2023</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2024</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2025</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2026</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net Income ($000s)<font style="padding-left: 3.87pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">($<font style="padding-left: 10pt;">4,081)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">6,109</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">7,176</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">7,893</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.02pt; text-align: left;">$<font style="padding-left: 9.63pt;">8,682</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings Per Share<font style="padding-left: 2.2pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">($<font style="padding-left: 15pt;">1.77)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">2.66</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">3.12</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">3.43</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.02pt; text-align: left;">$<font style="padding-left: 14.63pt;">3.78</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common Dividends Per Share<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.02pt; text-align: left;">$<font style="padding-left: 14.63pt;">0.00</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Assets ($000s)<font style="padding-left: 2.9pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$430,407</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$471,492</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$516,940</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$567,531</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.02pt; text-align: left;">$623,114</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing prospective financial information regarding IFH was based on information provided to Stephens by MVB and was approved by MVB for use by Stephens in connection with developing its fairness opinion.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">102<br></div></div></div>
<!--End Page 112-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 113-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg32"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Prospective Financial Information Regarding MVB &#8211; Raymond James</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following prospective financial information regarding MVB was used by Raymond James in performing its financial analysis with respect to MVB on a stand-alone basis: (i)&#160;estimated earnings per share for MVB of $1.02 for the period from July&#160;1, 2022 to December&#160;31, 2022, $2.86 for the year ending December&#160;31, 2023, and $4.50 for the year ending December&#160;31, 2024, per median research analyst consensus estimates; and (ii)&#160;an annual earnings per share growth rate thereafter of 5.0%, per MVB management.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table presents certain unaudited prospective financial information for MVB from July&#160;1, 2022 through December&#160;31, 2026.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">6 Months <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ended</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 48.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">12 Months Ended</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2023</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2024</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2025</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2026</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings Per Share<font style="padding-left: 2.2pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">1.02</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.86</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.50</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.73</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.96</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common Dividends Per Share<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.34</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.68</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.72</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.76</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$<font style="padding-left: 22.5pt;">0.80</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Assets ($000s)<font style="padding-left: 2.9pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,057,167</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,221,391</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,413,973</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;">$3,616,267</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.08pt; text-align: left;"><font style="padding-left: 5pt;">3,828,698</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing prospective financial information regarding MVB was based on information provided to Raymond James by IFH management and based on research analyst consensus estimates and was approved by IFH for use by Raymond James in connection with developing its fairness opinion. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Prospective Financial Information Regarding IFH &#8211; Raymond James </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following prospective financial information regarding IFH was used by Raymond James in performing its financial analysis with respect to IFH on a stand-alone basis: (i)&#160;estimated net income available to common shareholders of IFH of ($4.4) million for the period from July&#160;1, 2022 to December&#160;31, 2022, which included a ($7.4) million net after-tax expense related to an estimated litigation settlement, $6.6&#160;million for the year ending December&#160;31, 2023, $7.8&#160;million for the year ending December&#160;31, 2024, and $8.5&#160;million for the year ending December&#160;31, 2025 and (ii)&#160;an annual net income growth rate of 5.0% for 2026 and thereafter. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table presents certain unaudited prospective financial information for IFH for from July&#160;1, 2022 through December&#160;31, 2026, which Raymond James used in its net present value analysis in connection with developing its fairness opinion.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">6 Months <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ended</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 48.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">12 Months Ended</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2023</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2024</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2025</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2026</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net Income ($000s)<font style="padding-left: 3.87pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">($<font style="padding-left: 10pt;">4,426)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">6,559</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">7,848</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">8,508</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 10pt;">8,935</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Earnings Per Share<font style="padding-left: 2.2pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">($<font style="padding-left: 15pt;">1.92)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">2.85</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">3.39</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">3.65</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">3.84</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common Dividends Per Share<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$<font style="padding-left: 15pt;">0.00</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tangible Assets ($000s)<font style="padding-left: 2.9pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$429,481</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$443,029</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$442,132</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$456,921</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$483,233</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The foregoing prospective financial information regarding IFH was based on information provided to Raymond James by IFH and was approved by IFH for use by Raymond James in connection with developing its fairness opinion.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">General</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The prospective financial information was prepared separately using, in some cases, different assumptions, and the different estimates are not intended to be added together. Adding the prospective financial information together for the two companies is not intended to represent the results the combined company will achieve if the merger is completed and is not intended to represent forecasted financial information for the combined company if the merger is completed.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">By including in this joint proxy statement/prospectus a summary of the prospective financial information, neither MVB nor IFH nor any of their respective representatives has made or makes any representation to any person regarding the ultimate performance of MVB or IFH compared to the information contained in the prospective </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">103<br></div></div></div>
<!--End Page 113-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 114-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg33"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">financial information. Neither MVB, IFH, nor, after completion of the merger, the combined company, undertakes any obligation to update or otherwise revise the prospective financial information or financial information to reflect circumstances existing since their preparation or to reflect the occurrence of subsequent or unanticipated events, even in the event that any or all of the underlying assumptions are shown to be in error, or to reflect changes in general economic or industry conditions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The prospective financial information summarized in this section is not being included in this joint proxy statement/prospectus in order to induce any holder of MVB common stock to vote in favor of the MVB merger proposal or any of the other proposals to be voted on at the MVB special meeting or to induce any holder of IFH common stock to vote in favor of the IFH merger proposal or any of the other proposals to be voted on at the IFH special meeting. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In light of the foregoing, and taking into account that the MVB special meeting and the IFH special meeting will be held several months after the financial forecasts were prepared, as well as the uncertainties inherent in any forecasted information, MVB shareholders and IFH shareholders are strongly cautioned not to place unwarranted reliance on such information. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;"><a name="tINTEREST"><!--Anchor--></a>Interests of IFH Directors and Executive Officers in the Merger </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In considering the recommendation of the IFH board of directors that you vote to approve the merger agreement, you should be aware that some of the executive officers and directors of IFH may have interests in the merger and may have arrangements, as described below, that may be considered to be different from, or in addition to, those of IFH shareholders generally. The IFH board of directors was aware of these interests and considered them, among other matters, in reaching its decision to adopt and approve the merger agreement and to recommend that IFH shareholders vote in favor of approving the merger agreement. See &#8220;The Merger&#8212;Background of the Merger&#8221; and &#8220;The Merger&#8212;IFH&#8217;s Reasons for the Merger; Recommendation of IFH&#8217;s Board of Directors.&#8221; IFH&#8217;s shareholders should take these interests into account in deciding whether to vote &#8220;FOR&#8221; the IFH merger proposal. These interests are described in more detail below, and certain of them are quantified in the narrative below. Any quantified payments are estimates only, based on the assumptions indicated and as of the dates noted, and may vary based on the exact facts existing at the time such payments may be made.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Existing Employment and Change in Control Agreements</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH and West Town Bank, which are referred to in this section as the &#8220;employer,&#8221; have entered into employment and change in control agreements with each of Eric J. Bergevin (President and Chief Executive Officer), Michael Breckheimer (EVP and Chief Strategy Officer), Melissa Marsal (EVP and Chief Operating Officer), and A. Riddick Skinner (EVP &#8211; Government Guaranteed Lending). These employment and change in control agreements entitle the applicable executive officer to certain cash payments upon, in the case of Mr.&#160;Bergevin, a &#8220;change in control&#8221; (as defined in the employment agreement) and, in the case of the other three executive officers, a change in control followed by a qualifying termination event (each, a &#8220;double-trigger arrangement&#8221;). The merger with MVB would constitute a change in control under these employment agreements for the affected executive officers. With respect to the double-trigger arrangements, a qualifying termination event triggering payment obligations would include a termination of the officer&#8217;s employment by the employer without cause or by the officer for certain specified reasons, customarily referred to as a &#8220;good reason&#8221; termination. A &#8220;good reason&#8221; termination by the officer could include the occurrence of such events as: a material diminution in the officer&#8217;s authority, duties, or responsibilities; a material change in the geographic location of the officer&#8217;s work location; or a material breach by the employer of the employment agreement. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Assuming (i)&#160;the merger closes during the 2022 fiscal year and (ii)&#160;with respect to any officer with a double-trigger arrangement, the applicable officer&#8217;s employment is terminated in connection with the merger closing due to a qualifying termination event, lump sum cash payments in the following approximate amounts would be due and payable to each officer: Mr.&#160;Bergevin &#8211; $2,772,195; Mr.&#160;Breckheimer &#8211; $1,132,866; Ms.&#160;Marsal &#8211; $654,106; and Mr.&#160;Skinner &#8211; $914,411. Furthermore, under their existing employment agreements, each officer with a double-trigger arrangement is subject to a covenant not to compete for the 12-month period following such officer&#8217;s qualifying termination that, if breached, would result in such officer forfeiting the lump-sum cash payments estimated in the immediately preceding sentence. Notwithstanding the foregoing, each of Messrs. Breckheimer and Skinner will remain employed following closing and have entered into new </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">104<br></div></div></div>
<!--End Page 114-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 115-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg34"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">employment agreements with MVB Bank that will be effective at closing of the merger and supersede the terms of such executive officer&#8217;s current employment agreement with IFH and West Town Bank &#8211; See &#8220;Post-Merger Employment Agreements&#8221; below. Thus, no change-in-control payment will be made to either Mr.&#160;Breckheimer or Mr.&#160;Skinner under their existing employment agreements at closing of the proposed merger. Additionally, each of the existing IFH employment and change in control agreements contains a provision indicating that IFH may reduce any payment of a sum, distribution, acceleration of vesting or other right such that the aggregate of all payments, distributions, and benefits to be received by such executive officer will not constitute an &#8220;excess parachute payment&#8221; within the meaning of Section 280G of the Code subject to the excise tax imposed by Section 4999 of the Code. The estimated payments set forth in this paragraph have not been reduced to account for any potential Code Section 280G reduction, if necessary.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">West Town Bank Supplemental Executive Benefit Plan</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In September 2014, West Town Bank established the West Town Bank Supplemental Executive Benefit Plan, which, together with all amendments thereto, we refer to as the SERP. The four participants in the SERP are Mr.&#160;Bergevin, Ms.&#160;Marsal, Mr.&#160;Skinner, and Mr.&#160;Kevin Kosobucki (EVP/Chicago Regional Executive). The SERP is an unfunded arrangement maintained primarily to provide supplemental retirement benefits for a select group of management or highly compensated employees. Under the SERP, and absent an intervening event such as a change in control, the death or disability of the participant, or a termination of participant&#8217;s employment for cause, each participant is entitled to an annual normal retirement benefit equal to the following respective amounts: Mr.&#160;Bergevin - $117,000; Ms.&#160;Marsal - $120,000; Mr.&#160;Skinner - $45,000; and Mr.&#160;Kosobucki - $35,000. The annual normal retirement benefit would be payable in equal monthly installments, commencing as soon administratively practicable following the date the participant reaches the normal retirement age of 60, and continues, in the case of Mr.&#160;Bergevin, for 15&#160;years and, in the case of the other three participants, for 10&#160;years. If a SERP participant&#8217;s employment is terminated without cause following a change in control (such as the merger), the participant&#8217;s full benefit would commence to be paid to the participant, in equal monthly installments, on the first day of the second month following the participant&#8217;s termination of employment.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Notwithstanding the foregoing, under the terms of the merger agreement, IFH has agreed to cause West Town Bank, prior to the effective time of the merger, to terminate the SERP and to make lump sum distributions to the applicable participant equal to the net present value of such participant&#8217;s plan benefit, as calculated by the SERP&#8217;s third party administrator. It is anticipated that IFH, West Town Bank, and each participant will enter into settlement agreements effective at merger closing settling the obligations under the SERP. Assuming the merger were to close on December&#160;31, 2022, and assuming a discount rate of 4.83%, the following estimated lump sum payments would be made to the participants under the SERP on the closing date or as soon as practicable thereafter: Mr.&#160;Bergevin - $909,038; Ms.&#160;Marsal - $667,490; Mr.&#160;Skinner - $180,871; and Mr.&#160;Kosobucki - $194,408. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Post-Merger Executive Employment Agreements</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Concurrent with execution of the merger agreement, MVB Bank entered into an executive employment agreement with each of Messrs. Bergevin, Breckheimer and Skinner, which agreements will become effective immediately upon closing of the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Mr.&#160;Bergevin has agreed under his new employment agreement to be employed following the merger as EVP/Chief Revenue Officer of MVB Bank for a three-year period commencing at the closing of the merger, which period we refer to as the employment period. Mr.&#160;Bergevin will be paid an initial annual base salary of $475,000, and he has agreed to certain non-competition and non-solicitation of clients, customers, suppliers and employees covenants that will extend for a period of 12 calendar months following any termination of his employment with MVB. If during the employment period, MVB terminates Mr.&#160;Bergevin&#8217;s employment without cause, Mr.&#160;Bergevin would, subject to execution of a release of claims, be entitled to continued payment of his base salary for a period of time equal to the greater of 12 months or the remaining time left in his employment period. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Mr.&#160;Breckheimer has agreed under his new employment agreement to be employed following the merger as EVP/Strategic Growth Officer of MVB Bank. Mr.&#160;Breckheimer will be paid an initial annual base salary of $366,000, and he has agreed to certain non-competition and non-solicitation of clients, customers, suppliers and employees covenants that will extend for a period of 12 calendar months following any termination of his </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">105<br></div></div></div>
<!--End Page 115-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 116-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg35"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">employment with MVB. If MVB were to terminate Mr.&#160;Breckheimer&#8217;s employment without cause (other than in connection with a change in control of MVB), Mr.&#160;Breckheimer would, subject to execution of a release of claims, be entitled to severance compensation equal to 12 months of his base salary in effect at the time of such termination, as well as payment for any unused, paid vacation accrued as of the date of termination. To the extent any such without-cause termination occurs within 18 months of the date of the merger closing, in addition to the severance compensation in the foregoing sentence, Mr.&#160;Breckheimer would also be entitled to a lump sum amount reflecting the difference between the severance compensation he would have received under his prior employment agreement with IFH and the severance compensation payable under his new employment agreement with MVB. If MVB terminates Mr.&#160;Breckheimer&#8217;s employment without cause or Mr.&#160;Breckheimer terminates his own employment for good reason, in either case, within the three months preceding or the 12 months subsequent to a change in control of MVB (as defined in the new employment agreement), then Mr.&#160;Breckheimer would be entitled to severance compensation equal to 18 months of his base salary in effect at the time of such employment termination. In connection with a change in control of MVB, the following circumstances would give rise to Mr.&#160;Breckheimer having &#8220;good reason&#8221; to terminate his employment: a material diminution of his authority, duties or responsibilities; a decrease in his base salary; or a change in the geographical location of his assigned office location of more than 50 miles.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Mr.&#160;Skinner has agreed under his new employment agreement to be employed following the merger as EVP/Government Guaranteed Lending of MVB Bank. Mr.&#160;Skinner will be paid an initial annual base salary of $250,000. With respect to calendar years 2023 and 2024, MVB has agreed to offer Mr.&#160;Skinner a commission plan commensurate to the terms of, and providing a level of compensation opportunity at least as great as, the commission plan in place with West Town Bank immediately prior to the merger. If MVB were to terminate Mr.&#160;Skinner&#8217;s employment without cause (other than in connection with a change in control of MVB), Mr.&#160;Skinner would, subject to execution of a release of claims, be entitled to severance compensation equal to 12&#160;months of his average monthly compensation (with such average based on W-2 wage amounts over the prior three calendar years), as well as payment for any unused, paid vacation accrued as of the date of termination. To the extent any such without-cause termination occurs within 12 months of the date of the merger closing, in addition to the severance compensation in the foregoing sentence, Mr.&#160;Skinner would also be entitled to a lump sum amount reflecting the difference between the severance compensation he would have received under his prior employment agreement with IFH and the severance compensation payable under his new employment agreement with MVB. If MVB terminates Mr.&#160;Skinner&#8217;s employment without cause or Mr.&#160;Skinner terminates his own employment for good reason, in either case, within the three months preceding or the 12 months subsequent to a change in control of MVB (as defined in the new employment agreement), then Mr.&#160;Skinner would be entitled to severance compensation equal to 18 months of his average monthly compensation. In connection with a change in control of MVB, the following circumstances would give rise to Mr.&#160;Skinner having &#8220;good reason&#8221; to terminate his employment: a material diminution of his authority, duties or responsibilities; a decrease in his base salary; or a change in the geographical location of his assigned office location of more than 50 miles. Mr.&#160;Skinner has also agreed to certain non-competition and non-solicitation of customers and employees covenants that will extend for a period of 12 calendar months following any termination of his employment with MVB.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Post-Merger Employment Terms of Chief Financial Officer </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Following entering into the merger agreement with IFH, MVB announced on September&#160;14, 2022, its intention to appoint Steven E. Crouse as MVB&#8217;s Chief Financial Officer, contingent on, and effective following, the planned merger with IFH. Mr.&#160;Crouse currently serves as Executive Vice President and Chief Financial Officer of IFH and West Town Bank. In connection with his planned appointment, MVB and Mr.&#160;Crouse have entered into an offer letter (the &#8220;Offer Letter&#8221;) setting forth the terms of his post-merger employment with MVB. Under the Offer Letter, Mr.&#160;Crouse will receive an initial annual base salary of $300,000 and will be granted stock options covering 5,000 shares of MVB common stock, vesting over five years, at the then current market value as of his first day of employment. Mr.&#160;Crouse will also be eligible to participate in the MVB Executive Incentive Compensation Plan for 2022, prorated to his start date, with a 2022 cash incentive target of 25% of base salary, with a maximum cash incentive potential of up to 37.5% of base salary. The Offer Letter also provides that he will be eligible to participate in the MVB Long-Term Incentive Plan, with a long-term incentive target of 25% of base salary in time and performance based restricted stock units. During his employment, Mr.&#160;Crouse will be reimbursed for job related expenses and will be eligible for vacation and sick leave, prorated based on start date, as well as being eligible to participate in all health and welfare benefit plans currently offered by IFH<font style="font-weight: bold;">.</font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">106<br></div></div></div>
<!--End Page 116-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 117-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg36"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Treatment of IFH Restricted Stock Awards </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that each award outstanding under IFH&#8217;s equity plans in respect of a share of IFH common stock that is subject to vesting, repurchase or lapse restrictions that is unvested or contingent and outstanding immediately prior to the closing of the merger will fully vest at the closing of the merger and automatically be cancelled and converted into the right to receive the merger consideration. The below table provides, with respect to each of IFH&#8217;s directors and executive officers, the value of the unvested restricted stock that will fully vest at the closing of the merger, in each case based on ownership information as of October&#160;18, 2022.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 61.54%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Name of Individual</div></td><td class="gutter" style="width: 1%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 15.34%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Number of Unvested <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Restricted Shares</div></td><td class="gutter" style="width: 1%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 19.11%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total $ Value of Unvested <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Restricted Shares<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>Non-Employee Directors</u><br></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marc H. McConnell<font style="padding-left: 3.03pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">3,200</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;">$<font style="padding-left: 7.5pt;">136,832 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dr. Jeffrey Moore<font style="padding-left: 2.11pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Randy Ramsey<font style="padding-left: 3.85pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Joseph T. Snyder<font style="padding-left: 0.61pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Jimmy Stallings<font style="padding-left: 4.95pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Sandra Warren<font style="padding-left: 0.4pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">David G. Wicklund<font style="padding-left: 0.82pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">1,600</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 17.5pt;">68,416 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>Executive Officers</u><br></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eric J. Bergevin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><font style="padding-left: 0.57pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;">13,000</div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 12.5pt;">555,880 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Michael Breckheimer<font style="padding-left: 2.76pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">6,200</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 12.87pt;">265,112 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Steven E. Crouse<font style="padding-left: 4.69pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">4,200</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 12.5pt;">179,592 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Melissa Marsal<font style="padding-left: 3.31pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt;">6,200</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 12.87pt;">265,112 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">A. Riddick Skinner<font style="padding-left: 1.35pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">5,708</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">244,074</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-align: left;">Totals:<font style="font-weight: normal; padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 15.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 22.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">48,108</font></div></td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 19.11%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 22.22pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$2,057,098</font></div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 11.25pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">To calculate the value of the unvested restricted shares of IFH common stock held by the applicable individuals, we have assumed a value of MVB&#8217;s common stock of $35.34, which was the average closing market price of a share of the MVB common stock over the first five business days following the first public announcement of the merger on August&#160;12, 2022 (inclusive of the announcement date). The $35.34 has then been multiplied by the 1.21 exchange ratio, to arrive at a value for each share of IFH common stock for which vesting is accelerated of $42.76.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">Mr.&#160;Bergevin is the only employee of IFH that is also a director of IFH.</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Treatment of IFH Stock Options </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As further described under the section entitled &#8220;The Merger Agreement&#8212;Treatment of IFH Equity Awards&#8221; beginning on page <a href="#tTREATIFH">116</a>, the merger agreement provides that each IFH Stock Option, whether vested or unvested, that is outstanding immediately prior to the effective time of the merger will be assumed by MVB and shall be converted into an option to purchase MVB common stock. While the terms of the merger agreement do not automatically accelerate the vesting of such IFH Stock Options, the unvested IFH Stock Options will automatically vest under the terms of IFH&#8217;s existing omnibus equity plans if, within 180 days following the closing of the merger, an option holder ceases to provide any services to MVB or MVB Bank as an employee, consultant or director as a result of MVB&#8217;s termination of such relationship other than for cause. Since no director of IFH will continue as a director of MVB or MVB Bank following consummation of the merger, all of the directors&#8217; unvested stock options (other than Mr.&#160;Bergevin, who will continue as an MVB employee) will vest and become exercisable at closing of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of October&#160;18, 2022, non-employee directors of IFH held an aggregate of 10,001 unvested IFH Stock Options that would vest and become exercisable following the closing of the merger. The aggregate value of in-the-money IFH Stock Option awards held by these non-employee directors, and for which vesting would be accelerated following the merger, is estimated at $265,706. This value was determined by assuming a per share value of MVB common stock of $42.76 and then subtracting from this price the quotient obtained by dividing the current exercise price of each IFH Stock Option by the 1.21 exchange ratio. Using this same methodology, the aggregate value of in-the-money IFH Stock Option awards held by IFH executive officers for which vesting </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">107<br></div></div></div>
<!--End Page 117-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 118-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg37"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">would be accelerated following the merger is estimated at $84,615. This amount excludes any unvested IFH Stock Options held by Messrs. Bergevin, Breckheimer, Crouse and Skinner, since such executive officers will continue employment with MVB Bank following the merger closing, which would not cause vesting of such options under the existing terms of IFH&#8217;s omnibus equity plans.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;">Indemnification and Insurance </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As described in more detail under &#8220;The Merger Agreement&#8212;Covenants and Agreements&#8212;Director and Officer Indemnification and Insurance,&#8221; following the effective time of the merger MVB will indemnify and hold harmless the present and former directors and officers of IFH and its subsidiaries against any costs, expenses, or liabilities pertaining to matters occurring at or prior to the closing of the merger to the same extent as such persons are indemnified pursuant to the articles of incorporation, bylaws or governing or organizational documents of IFH or any of its subsidiaries. MVB also has agreed, for a period of six years after the effective time of the merger, to provide coverage to present and former directors and officers of IFH pursuant to IFH&#8217;s existing directors&#8217; and officers&#8217; liability insurance (or at least the same coverage under policies from a substantially comparable insurer).</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;">Agreement with IFH Chairman McConnell on Continued Service</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Mr.&#160;Marc McConnell, chairman of the board of IFH, is currently a board representative of IFH on the Dogwood State Bank board of directors. IFH has a non-controlling investment in Dogwood State Bank and is currently entitled to certain board appointment rights. Following closing of the merger, MVB has agreed with Mr.&#160;McConnell to continue to have him serve as one of MVB&#8217;s board representatives on the Dogwood State Bank board so long as MVB retains such investment and is entitled to board representative appointment rights. Mr.&#160;McConnell may receive compensation from Dogwood State Bank for service on that bank&#8217;s board of directors.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;"><a name="tGCCAM"><!--Anchor--></a>Governance of the Combined Company After the Merger </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Boards of Directors and Committees of the Combined Company and the Combined Bank</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the effective time, the Board of Directors of MVB, and the committees thereof, shall remain unchanged and shall consist of the directors of MVB immediately prior to the effective time, each of whom shall serve as the directors of MVB until the next annual meeting of shareholders and until such time as their respective successors have been duly elected and qualified, or until their earlier death, resignation or removal from office. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;">Management of the Combined Company after the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The executive officers of MVB shall continue as executive officers of MVB immediately after the Effective Time, each of whom shall serve until their respective successors are duly appointed and qualified or their earlier death, resignation or removal. Contingent upon the closing of the merger, Mr.&#160;Eric J. Bergevin will serve as MVB&#8217;s Executive Vice President, Chief Revenue Officer, and Mr.&#160;Steven E. Crouse will serve as MVB&#8217;s Chief Financial Officer. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;"><a name="tNAH"><!--Anchor--></a>Name and Headquarters</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The name of the surviving corporation and surviving bank will be MVB Financial Corp. and MVB Bank, Inc., respectively. The headquarters of MVB and the main office of MVB Bank will be located in Fairmont, West Virginia.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;"><a name="tACCTREAT"><!--Anchor--></a>Accounting Treatment </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH prepare their respective financial statements in accordance with GAAP. The merger will be accounted for as an acquisition of IFH by MVB under the acquisition method of accounting, and MVB will be treated as the acquirer for accounting purposes.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;"><a name="tREGULAA"><!--Anchor--></a>Regulatory Approvals </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">To complete the merger, MVB and IFH need to obtain approvals or consents from, or make filings with, a number of U.S. federal and state bank and other regulatory authorities. Subject to the terms of the merger agreement, MVB and IFH have agreed to cooperate with each other and use reasonable best efforts to promptly </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">108<br></div></div></div>
<!--End Page 118-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 119-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg38"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">prepare and file all necessary documentation, to effect all applications, notices, petitions and filings (and in the case of the applications, notices, petitions and filings in respect of the requisite regulatory approvals, make such filings as soon as practical and in no event later than sixty (60) days of the date of the merger agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties, regulatory agencies and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement (including the merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such regulatory agencies and governmental entities. The term &#8220;requisite regulatory approvals&#8221; means all regulatory authorizations, consents, orders and approvals from the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve Board&#8221;) for the merger and notice to the Illinois Department of Financial and Professional Regulation (&#8220;IDFPR&#8221;) of the merger and the approval of the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;) and the West Virginia Division of Financial Institutions (&#8220;WVDFI&#8221;) for the bank merger as well as notice to the IDFPR of the bank merger, along with any other approvals set forth in the merger agreement which are necessary to consummate the transactions contemplated by the merger agreement, including the merger and the bank merger, or those the failure of which to be obtained would reasonably be expected to have, individually or in the aggregate, a material adverse effect on MVB, as the survivor in the merger, or any of its subsidiaries. The initial submission of the bank merger regulatory applications occurred on October&#160;11, 2022 and the initial submission of the merger regulatory application occurred on October&#160;14, 2022. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Under the terms of the merger agreement, MVB and IFH will not be required to take actions or agree to conditions in connection with obtaining the foregoing permits, consents, approvals and authorizations of governmental entities that would reasonably be expected to have a material adverse effect on MVB and its subsidiaries, taken as a whole, after giving effect to the merger and the bank merger (a &#8220;materially burdensome regulatory condition&#8221;). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The approval of an application means only that the regulatory criteria for approval have been satisfied or waived. It does not mean that the approving authority has determined that the consideration to be received by IFH shareholders in the merger is fair. Regulatory approval does not constitute an endorsement or recommendation of the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There can be no assurance that all of the regulatory approvals described below will be obtained and, if obtained, there can be no assurances regarding the timing of the approvals, the companies&#8217; ability to obtain the approvals on satisfactory terms or the absence of litigation challenging such approvals. In addition, there can be no assurance that such approvals will not impose conditions or requirements that, individually or in the aggregate, would or could reasonably be expected to have a material adverse effect on the financial condition, results of operations, assets or business of MVB following the completion of the merger. There can likewise be no assurances that U.S. federal or state regulatory authorities will not attempt to challenge the merger or, if such a challenge is made, what the result of such challenge will be.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Federal Reserve Board, the FDIC and WVDFI</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger is subject to the approval of the Federal Reserve Board pursuant to section 3 of the BHC Act with respect to the merger and the bank merger is subject to the approval of the FDIC pursuant to section 18(c)(2)(B) of the Federal Deposit Insurance Act (the &#8220;Bank Merger Act&#8221;). The Federal Reserve Board and the FDIC take into consideration a number of factors when acting on applications under section 3 of the BHC Act and the Bank Merger Act, respectively. These factors include the effect of the merger on competitiveness in affected banking markets, the financial and managerial resources (including consideration of the capital adequacy, liquidity, and earnings performance, as well as the competence, experience and integrity of the officers, directors and principal shareholders, and the records of compliance with applicable laws and regulations) and future prospects of the combined organization. The Federal Reserve Board and the FDIC also consider the effectiveness of the applicant in combatting money laundering, the convenience and needs of the communities to be served, as well as the extent to which the proposal would result in greater or more concentrated risks to the stability of the U.S.&#160;banking or financial system. Neither the Federal Reserve Board nor the FDIC may approve a proposal that would have significant adverse effects on competition or on the concentration of resources in any banking market.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In considering an application under section 3 of the BHC Act and the Bank Merger Act, the Federal Reserve Board and the FDIC each also reviews the records of performance of the relevant insured depository institutions </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">109<br></div></div></div>
<!--End Page 119-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 120-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg39"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">under the Community Reinvestment Act (the &#8220;CRA&#8221;), pursuant to which the Federal Reserve Board and the FDIC must also take into account the record of performance of each of MVB and IFHI in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, served by their depository institution subsidiaries. As part of the review process in merger transactions, the Federal Reserve Board and the FDIC each frequently receive protests from community groups and others. In their most recent CRA performance evaluations, MVB Bank received an overall &#8220;satisfactory&#8221; regulatory rating and West Town Bank received an overall &#8220;satisfactory&#8221; regulatory rating, respectively.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, in connection with an interstate merger and bank merger transaction, the Federal Reserve Board and the FDIC each consider certain additional factors under the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994, as amended (the &#8220;Riegle-Neal Act&#8221;), including the capital position of the acquiring bank holding company or bank, as the case may be, state laws regarding the minimum age of the bank to be acquired, the concentration of deposits on a nationwide and statewide basis, and compliance with any applicable state community reinvestment and antitrust laws. Under the Riegle-Neal Act, the FDIC may approve an interstate bank merger transaction only if each constituent bank is adequately capitalized at the time the relevant application for such transaction is filed, and it determines that the resulting bank will be well capitalized and well managed upon the consummation of the transaction.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Furthermore, the BHC Act and the Bank Merger Act require published notice of, and the opportunity for public comment on, the applications to the Federal Reserve Board and the FDIC. Each of the Federal Reserve Board and the FDIC takes into account the views of third-party commenters, particularly on the subject of the merging parties&#8217; CRA performance and record of service to their communities. Each of the Federal Reserve Board and the FDIC is also authorized to hold one or more public hearings or meetings if it determines that such hearings or meetings would be appropriate. The receipt of written comments or any public meeting or hearing could prolong the period during which the applicable application is under review.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The initial submission of the applications to the FDIC occurred on October&#160;11, 2022 and to the Federal Reserve on October&#160;14, 2022.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The bank merger is also subject to approval by the the WVDFI. If the WVDFI determines that the following findings are accurate, then the WVFDI shall approve the application: (i)&#160;the proposed transaction will not be detrimental to the safety and soundness of the applicant or the resulting bank, including that local conditions assure reasonable promise of successful operation of the proposed bank branch; (ii)&#160;any new officers and directors of the resulting bank are qualified by character, experience and financial responsibility to direct and manage the resulting bank; (iii)&#160;the acquired branch offices will provide suitable physical facilities for their integrated business; (iv)&#160;establishment of the proposed bank branch would not result in a substantial reduction of competition in any section of the State of West Virginia unless the anticompetitive effects of the proposed action are clearly outweighed in the public interest by the probable effect of the action in meeting the convenience and needs of the community to be served, or result in a monopoly, or be in furtherance of any combination or conspiracy to monopolize, or any attempt to monopolize the business of banking in any section of the State of West Virginia; (v)&#160;the proposed merger is consistent with the convenience and needs of the communities to be served by the resulting bank in the State of West Virginia and is otherwise in the public interest; and (vi)&#160;the new branch is in conformity with, and would be permitted under the laws of the state where the branch is to be located.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Department of Justice</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition to the Federal Reserve Board and the FDIC, the Antitrust Division of the Department of Justice (the &#8220;DOJ&#8221;) conducts a concurrent competitive review of the merger to analyze the merger&#8217;s competitive effects and determine whether the merger would result in a violation of the antitrust laws. Transactions approved under section 3 of the BHC Act or the Bank Merger Act generally may not be completed until thirty (30) days after the approval of the applicable federal agency is received, during which time the DOJ may challenge the transaction on antitrust grounds. With the approval of the applicable federal agency and the concurrence of the DOJ, the waiting period may be reduced to no less than fifteen (15) days. The commencement of an antitrust action would stay the effectiveness of such an approval unless a court specifically ordered otherwise. In reviewing the merger, the DOJ could analyze the merger&#8217; effect on competition differently than the Federal Reserve Board, and, thus, it is possible that the DOJ could reach a different conclusion than the Federal Reserve Board regarding the merger&#8217; effects on competition. A determination by the DOJ not to object to the merger may not prevent the filing of </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">110<br></div></div></div>
<!--End Page 120-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 121-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg40"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">antitrust actions by private persons or state attorneys general. There can be no assurance if and when DOJ clearance will be obtained, or as to the conditions or limitations that such DOJ approval may contain or impose.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Additional Regulatory Approvals and Notices</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Additional notifications and/or applications requesting approval may be submitted to various other federal, state and non-U.S. regulatory authorities and self-regulatory organizations. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;"><a name="tSTOCKEL"><!--Anchor--></a>Stock Exchange Listings</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB common stock is listed for trading on NASDAQ under the symbol &#8220;MVBF.&#8221; IFH voting common stock is traded on OTCQX under the symbol &#8220;IFHI.&#8221; </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Under the terms of the merger agreement, MVB will cause the shares of MVB common stock to be issued in the merger to be approved for listing on NASDAQ, subject to official notice of issuance. The merger agreement provides that neither MVB nor IFH will be required to complete the merger if such shares are not authorized for listing on NASDAQ, subject to notice of issuance. Following the merger, shares of MVB common stock will continue to be traded on NASDAQ. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tADRMER"><!--Anchor--></a>Appraisal or Dissenters&#8217; Rights in the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of MVB common stock are not entitled to dissenters&#8217; rights under the WVBCA in connection with the merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Holders of IFH common stock who are entitled to vote on the merger have a right to demand payment in cash of the &#8220;fair value&#8221; of their shares of IFH common stock. Shareholders of IFH who receive a fair value cash payment will not be entitled to receive any shares of MVB common stock offered in the merger. Under North Carolina law, &#8220;fair value&#8221; of shares generally means the value of the corporation&#8217;s shares (i)&#160;immediately before the effectuation of the corporate action as to which the shareholder asserts appraisal rights, excluding any appreciation or depreciation in anticipation of the corporate action unless exclusion would be inequitable; (ii)&#160;using customary and current valuation concepts and techniques generally employed for similar business in the context of the transaction requiring appraisal; and (iii)&#160;without discounting for lack of marketability or minority status.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Article 13 of the NCBCA sets forth the rights of IFH&#8217;s shareholders who wish to demand fair value payments for their shares. The following is a summary of the material terms of the statutory procedures to be followed by a holder of IFH&#8217;s common stock in order to perfect appraisal rights under the NCBCA. A copy of Article 13 of the NCBCA is attached as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">E</font> hereto.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;">Requirements of Appraisal Rights</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If an IFH shareholder elects to exercise the right to demand appraisal and is a holder of IFH&#8217;s common stock, such shareholder must satisfy all of the following conditions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must be entitled to vote on the merger.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must deliver to IFH, before the vote on approval or disapproval of the merger agreement is taken, written notice of the shareholder&#8217;s intent to demand payment if the plan of merger is effectuated. This notice must be in addition to and separate from any proxy or vote against the plan of merger. Neither voting against, abstaining from voting, nor failing to vote on the plan of merger will constitute a notice within the meaning of Article 13.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must not vote, or cause or permit to be voted, any shares in favor of the plan of merger. A failure to vote will satisfy this requirement, as will a vote against the plan of merger, but a vote in favor of the plan of merger, by proxy or in person, or the return of a signed proxy which does not specify a vote against approval of the plan of merger or contain a direction to abstain, will constitute a waiver of the shareholder&#8217;s appraisal rights.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the requirements above are not satisfied and the plan of merger becomes effective, a holder of IFH&#8217;s common stock will not be entitled to payment for such shareholder&#8217;s shares under the provisions of Article 13.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">111<br></div></div></div>
<!--End Page 121-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 122-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg41"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Required Notice to IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Written notices of intent to demand payment should be addressed to the IFH headquarters office location at Integrated Financial Holdings, Inc., 8450 Falls of Neuse Road, Suite 202, Raleigh, NC 27615. The notice must be executed by the holder of record of shares of IFH&#8217;s common stock. A beneficial owner may assert appraisal rights only with respect to all shares of IFH&#8217;s common stock of which it is the beneficial owner. With respect to shares of IFH&#8217;s common stock which are owned of record by a voting trust or nominee, the beneficial owner of such shares may exercise appraisal rights only if such beneficial owner also submits to IFH (or MVB following the effective date of the plan of merger) the record holder&#8217;s written consent to such exercise not later than the Demand Deadline (as defined below). A record holder, such as a broker, who holds shares of IFH common stock as a nominee for others, may exercise appraisal rights with respect to the shares held by all or less than all beneficial owners of shares as to which such person is the record holder, provided such record holder exercises appraisal rights with respect to all shares beneficially owned by any particular beneficial shareholder. In such case, the notice submitted by such nominee as record holder must set forth the name and address of the beneficial shareholder who is demanding payment.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Appraisal Notice from MVB</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the plan of merger becomes effective, MVB will be required to deliver a written appraisal notice and form to all shareholders who have satisfied the requirements described under the heading &#8220;&#8212;Requirements of Appraisal Rights&#8221; above. The appraisal notice and form must be sent by MVB no earlier than the effective date of the plan of merger and no later than ten days after such effective date. The appraisal notice and form must:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Identify the first date of any announcement of the principal terms of the merger to the shareholders. If such an announcement was made, the form must require the shareholder to certify whether beneficial ownership of the shares was acquired before that date. For more information regarding this requirement, see &#8220;&#8212;After-Acquired Shares&#8221; below.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Require the shareholder to certify that the shareholder did not vote for or consent to the transaction.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">State where the appraisal form is to be returned, where certificates for certificated shares must be deposited, and the date by which such certificates must be deposited.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">State a date by which MVB must receive the appraisal form from the shareholder, known as the &#8220;Demand Deadline.&#8221; The date may not be less than 40 nor more than 60 days after the date the appraisal notice and form are sent.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">State that if the appraisal form is not received by MVB by the specified date, the shareholder will be deemed to have waived the right to demand appraisal.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Provide an estimate of the fair value of the shares by MVB (as successor to IFH).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Disclose that, if requested in writing by the shareholder, MVB will disclose within ten days after the Demand Deadline the number of shareholders who have returned their appraisal forms and the total number of shares owned by them.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Establish a date within 20 days of the Demand Deadline by which shareholders can withdraw the request for appraisal.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Include a copy of Article 13 of the NCBCA.</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Perfection of Rights</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A shareholder who receives an appraisal notice from MVB must demand payment by signing and returning the appraisal form included with the notice and, in the case of certificated shares, deposit his or her share certificates in accordance with the terms of the appraisal notice. Shareholders should respond to the appraisal form&#8217;s request discussed above regarding when beneficial ownership of the shares was acquired. A failure to provide this certification allows MVB to treat the shares as &#8220;after-acquired shares&#8221; subject to MVB&#8217;s authority to delay payment as described under the heading &#8220;&#8212;After-Acquired Shares&#8221; below. Once a shareholder deposits his or her certificates or, in the case of uncertificated shares, returns the signed appraisal form, the shareholder loses all rights as a shareholder unless a timely withdrawal occurs as described below. A shareholder who does not sign and return the appraisal form and, in the case of certificated shares, fails to deposit the shares, prior to the Demand Deadline is not entitled to payment under Article 13.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">112<br></div></div></div>
<!--End Page 122-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 123-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg42"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">A shareholder who has complied with all the steps required for appraisal may thereafter decline to exercise appraisal rights and withdraw from the appraisal process by notifying MVB in writing. The appraisal notice will include a date by which the withdrawal notice must be received. Following this date, a shareholder may only withdraw from the appraisal process with MVB&#8217;s consent.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Payment to Shareholders Demanding Appraisal</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Within 30 days after the Demand Deadline, MVB is required to pay each shareholder that has perfected their appraisal rights the amount that MVB estimates to be the fair value of such shareholder&#8217;s shares, plus interest accrued from the effective date of the plan of merger to the date of payment. The payment must be accompanied by the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH&#8217;s most recently available balance sheet, income statement, and statement of cash flows as of the end of or for the fiscal year ending not more than sixteen months before the date of payment, and the latest available quarterly financial statements, if any;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a statement of MVB&#8217;s estimate of the fair value of the shares, which must equal or exceed MVB&#8217;s estimate in the earlier-circulated appraisal notice; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a statement that the shareholder has the right to submit a final payment demand as described below and that the shareholder will lose the right to submit a final payment demand if he or she does not act within the specified time frame.</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Final Payment Demand by Shareholders</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A shareholder who is dissatisfied with the amount of the payment received from MVB may notify MVB in writing of such shareholder&#8217;s own estimate of the fair value of the shares (other than after-acquired shares, as discussed below) and the amount of interest due, and demand payment of the excess of this estimate over the amount previously paid by MVB. A shareholder who does not submit a final payment demand within 30 days after receiving MVB&#8217;s payment is only entitled to the amount previously paid.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">After-Acquired Shares</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB may withhold payment with respect to any shares which a shareholder failed to certify on the appraisal form as being beneficially owned prior to the date stated in the appraisal notice as the date on which the principal terms of the merger were first announced. If MVB withholds payment, it must, within 30 days after the Demand Deadline:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">provide affected shareholders with IFH&#8217;s most recently available balance sheet, income statement, and statement of cash flows as of the end of or for the fiscal year ending not more than sixteen months before the date of payment, and the latest available quarterly financial statements, if any;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">provide MVB&#8217;s estimate of the fair value of their shares, plus interest;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">inform such shareholders that they may accept MVB&#8217;s estimate of the fair value of their shares, plus interest, in full satisfaction of their claim or submit a final payment demand;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">inform such shareholders that if they wish to accept MVB&#8217;s estimate of the fair value of their shares, plus interest, they must notify MVB within 30 days of receipt of the offer; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">inform such shareholders that those shareholders that do not properly demand appraisal will be deemed to have accepted MVB&#8217;s estimate of the fair value of their shares, plus interest.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB must send payment to any such shareholder that accepts MVB&#8217;s offer within ten days after receiving their acceptance. Shareholders who are dissatisfied with the offer must reject the offer and demand payment of the shareholder&#8217;s own estimate of the fair value of the shares, plus interest. If a shareholder does not explicitly accept or reject MVB&#8217;s offer within 30 days, he or she will be deemed to have accepted the offer. MVB must send payment to any such shareholders within 40 days after sending the notice regarding withholding of payment.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Judicial Appraisal of Shares</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If MVB does not pay the amount demanded pursuant to a shareholder&#8217;s final payment demand, it must commence a proceeding in the Superior Court Division of the General Court of Justice within 60 days after </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">113<br></div></div></div>
<!--End Page 123-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 124-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_116-merger_pg43"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">receiving the final demand. The purpose of the proceeding is to determine whether the shareholder complied with the requirements of Article 13 of the NCBCA and the fair value of the shares and the interest due. If MVB does not commence the proceeding within the 60-day period, it must pay each shareholder demanding appraisal the amount demanded, plus interest. All shareholders whose payment demands remain unsettled will be parties to the action. The proceeding is against the shareholders&#8217; shares and not against shareholders personally. There is no right to a jury trial. Each shareholder who is a party to the proceeding will be entitled to judgment for the amount, if any, by which the court finds the fair value of the shareholder&#8217;s shares, plus interest, exceeds the amount already paid by MVB to the shareholder for the shares, if any.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The court will determine all court costs of the proceeding and will assess the costs against MVB, except that the court may assess costs against some or all of the shareholders demanding appraisal, in amounts the court finds equitable, to the extent the court finds such shareholders acted arbitrarily, vexatiously, or not in good faith with respect to the rights provided by Article 13. The court may also assess expenses (including legal fees) for the respective parties, in the amounts the court finds equitable: (1) against MVB if the court finds that it (or IFH) did not comply with the statutes or (2) against MVB or the shareholder demanding appraisal, if the court finds that the party against whom expenses are assessed acted arbitrarily, vexatiously, or not in good faith. If the court finds that the expenses incurred by any shareholder were of substantial benefit to other shareholders similarly situated and that the expenses should not be assessed against MVB, it may direct that the expenses be paid out of the amounts awarded to the shareholders who were benefited.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If MVB fails to make a required payment to a shareholder under Article 13, the shareholder entitled to payment can commence an action against MVB as successor to IFH directly for the amount owed and recover the expenses of that action.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">114<br></div></div></div>
<!--End Page 124-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 125-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tTMAG"><!--Anchor--></a>THE MERGER AGREEMENT</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">This section of the joint proxy statement/prospectus describes the material terms of the merger agreement. The description in this section and elsewhere in this joint proxy statement/prospectus is subject to, and qualified in its entirety by reference to, the complete text of the merger agreement, which is attached as <font style="font-style: normal;">Annex&#160;A</font> to this document and incorporated by reference herein. This summary does not purport to be complete and may not contain all of the information about the merger agreement that is important to you. We urge you to read the full text of the merger agreement, as it is the legal document governing the merger. This section is not intended to provide you with any factual information about MVB or IFH. Such information can be found elsewhere in this joint proxy statement/prospectus and in the public filings MVB makes with the SEC, as described in the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a> of this joint proxy statement/prospectus.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;"><a name="tEXPLARMA"><!--Anchor--></a>Explanatory Note Regarding the Merger Agreement</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement and this summary of terms are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about MVB and IFH contained in this joint proxy statement/prospectus or in the public reports of MVB filed with the SEC may supplement, update or modify the factual disclosures about MVB and IFH contained in the merger agreement. The merger agreement contains representations and warranties by IFH, on the one hand, and by MVB, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by MVB and IFH were qualified and subject to important limitations agreed to by MVB and IFH in connection with negotiating the terms of the merger agreement. In particular, in your review of the representations and warranties contained in the merger agreement and described in this summary, it is important to bear in mind that the representations and warranties were negotiated with the principal purpose of establishing circumstances in which a party to the merger agreement may have the right not to consummate the merger if the representations and warranties of the other party prove to be untrue due to a change in circumstance or otherwise, and allocating risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to shareholders and reports and documents filed with the SEC, and some were qualified by the matters contained in the confidential disclosure schedules that MVB and IFH each delivered in connection with the merger agreement and certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this joint proxy statement/prospectus, may have changed since the date of the merger agreement. Accordingly, the representations and warranties in the merger agreement should not be relied on by any persons as characterizations of the actual state of facts about MVB and IFH at the time they were made or otherwise.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;"><a name="tSTOME"><!--Anchor--></a>Structure of the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each of IFH&#8217;s and MVB&#8217;s respective boards of directors has unanimously approved and adopted the merger agreement. The merger agreement provides for the merger of IFH with MVB, with MVB continuing as the surviving entity. Following the completion of the merger, West Town Bank, a wholly owned subsidiary of IFH, and MVB Bank, a wholly owned subsidiary of MVB, will merge, with MVB Bank as the surviving bank in the bank merger.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Prior to the consummation of the merger, MVB and IFH may, by mutual agreement, change the method or structure of effecting the combination of MVB and IFH if and to the extent they both deem such change to be necessary, appropriate or desirable; provided, however that no such change may (i)&#160;alter or change the exchange ratio or the number of shares of MVB common stock received by holders of IFH common stock in exchange for each share of IFH common stock; (ii)&#160;adversely affect the tax treatment of IFH&#8217;s shareholders or MVB&#8217;s shareholders pursuant to the merger agreement; (iii)&#160;adversely affect the tax treatment of IFH or MVB pursuant to the merger agreement; or (iv)&#160;materially impede or delay the consummation of the transactions contemplated by the merger agreement in a timely manner.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;"><a name="tMERCON"><!--Anchor--></a>Merger Consideration</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each share of IFH common stock issued and outstanding immediately prior to the effective time, except for shares of IFH common stock owned by IFH as treasury stock or owned by IFH or MVB or a subsidiary of either </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">115<br></div></div></div>
<!--End Page 125-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 126-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">(in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and except for shares for which appraisal rights have been exercised, will be converted into the right to receive 1.21&#160;shares of MVB common stock (the &#8220;exchange ratio&#8221;).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that IFH may terminate the merger agreement if (i) the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;MVB market value&#8221;) is less than 82.5% of the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on August 11, 2022 (which we refer to as the &#8220;starting date&#8221;), the last trading day immediately preceding the date of the first public announcement of entry into the merger agreement (which we refer to as the &#8220;initial MVB market value&#8221;), and (ii) the number obtained by dividing the MVB market value by the initial MVB market value is less than the number obtained by dividing the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the trading day prior to the determination date by the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the starting date and subtracting 0.175 from such quotient. If IFH elects to terminate the merger agreement in that instance, MVB may elect to reinstate the merger agreement by adjusting the exchange ratio to increase the stock consideration (or MVB may make up such difference in cash). If MVB makes such election to reinstate the merger agreement, then no termination will occur and the merger agreement will remain in effect according to its terms (except the consideration, which will have been adjusted). Accordingly, at the time of the MVB special meeting and the IFH special meeting, shareholders will not know or be able to definitively calculate the market price of MVB common stock that they will receive upon completion of the merger. If MVB shareholders approve the MVB merger proposal, such approval will include any MVB shareholder approval required for MVB to issue any additional shares necessary to reinstate the merger agreement to prevent termination.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the outstanding shares of IFH common stock or MVB common stock are increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend, stock split, reverse stock split, or other similar change in capitalization, or there is any extraordinary dividend or distribution, an appropriate and proportionate adjustment will be made to the exchange ratio to give IFH shareholders the same economic effect as contemplated by the merger agreement prior to such event. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tFRASH"><!--Anchor--></a>Fractional Shares</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB will not issue any fractional shares of MVB common stock in the merger. Instead, a former holder of IFH common stock who otherwise would have received a fraction of a share of MVB common stock will receive an amount in cash rounded to the nearest cent. This cash amount will be determined by multiplying (i)&#160;the average of the closing-sale prices of MVB common stock on NASDAQ as reported by the <font style="font-style: italic;">Wall Street Journal</font> for the consecutive period of five (5) full trading days ending on the date preceding the closing date of the merger by (ii)&#160;the fraction of a share (after taking into account all shares of IFH common stock held by such holder immediately prior to the effective time and rounded to the nearest one thousandth when expressed in decimal form) of MVB common stock which such holder would otherwise be entitled to receive.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tGOVEDOC"><!--Anchor--></a>Governing Documents</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Effective as of the effective time, the bylaws of MVB will continue to be the bylaws for the combined company and the articles of incorporation will continue to be the articles of incorporation of the surviving corporation. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tTREATIFH"><!--Anchor--></a>Treatment of IFH Equity Awards</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 7pt; margin-left: 0pt; text-align: left;">Stock Options</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that, at the effective time, each option granted by IFH to purchase shares of IFH common stock under an IFH stock plan, whether vested or unvested, that is outstanding and unexercised immediately prior to the effective time (a &#8220;IFH Stock Option&#8221;) shall without any further action on the part of any holder thereof, be assumed by MVB and shall be converted into an option to purchase MVB common stock (a &#8220;Purchaser Stock Option&#8221;). Each such Purchaser Stock Option as so assumed and converted shall continue to have, and shall be subject to, the same terms and conditions as applied to the IFH Stock Option immediately prior to the effective time. As of the effective time, each such Purchaser Stock Option as so assumed and </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">116<br></div></div></div>
<!--End Page 126-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 127-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">converted shall be an option to acquire that number of whole shares of MVB common stock (rounded down to the nearest whole share) equal to the product of (i)&#160;the number of shares of IFH common stock subject to such IFH Stock Option, multiplied by (ii) 1.21, at an exercise price per share of MVB common Stock (rounded up to the nearest whole cent) equal to the quotient obtained by dividing (A) the exercise price per share of IFH common stock subject of such IFH Stock Option by (B) 1.21, provided, that the exercise price and the number of shares of MVB common stock subject to the Purchaser Stock Option shall be determined in a manner consistent with the requirements of Section 409A of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), and, in the case of IFH Stock Options that are intended to qualify as incentive stock options within the meaning of Section 422 of the Code, consistent with the requirements of Section 424(a) of the Code. </div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 12pt; margin-left: 0pt; text-align: left;">Restricted Stock Awards</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Immediately prior to the effective time (but contingent upon the closing), each award in respect of a share of IFH common stock subject to vesting, repurchase or other lapse restriction granted under an IFH stock plan that is unvested or contingent and outstanding immediately prior to the effective time (a &#8220;IFH Restricted Stock Award&#8221;) shall fully vest (with any performance-based vesting condition applicable to such IFH Restricted Stock Award deemed satisfied to the extent provided in the applicable award agreement) and shall be cancelled and converted automatically into the right to receive merger consideration in respect of each such share of IFH common stock under such IFH Restricted Stock Award, less applicable withholding taxes.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 12pt; margin-left: 0pt; text-align: left;">Other Equity Awards</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the effective time, each equity award other than an IFH Stock Option or an IFH Restricted Stock Award (an &#8220;Other IFH Equity Award&#8221;), whether or not then vested or free of conditions to payment, automatically and without any action on the part of the holder thereof, shall be cancelled and converted into the right to receive a number of shares of MVB common stock equal to the product of (i)&#160;the number of shares of IFH common stock subject to such Other IFH Equity Award multiplied by (ii) 1.21, with cash payable in lieu of fractional shares. MVB shall issue Other IFH Equity Award, net of applicable tax withholdings, which shall be accomplished through the withholding of shares of MVB common stock with a value equal to the applicable tax withholding obligation, within five (5) business days following the closing date. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tCETM"><!--Anchor--></a>Closing and Effective Time of the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger will become effective at such date and time specified in the articles of merger to be filed with the Secretary of State of the State of West Virginia and the articles of merger to be filed with the Secretary of State of the State of North Carolina, or at such other date and time provided by applicable law. The closing will occur remotely by electronic exchange of documents no later than three (3) business days after the satisfaction or waiver (subject to applicable law) of all of the conditions set forth in the merger agreement (other than those conditions that by their nature can only be satisfied at the closing, but subject to the satisfaction or waiver thereof), unless another date and/or time is agreed to in writing by MVB and IFH. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tEXCHSH"><!--Anchor--></a>Exchange of Shares</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Exchange Procedures</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As promptly as practicable after the effective time, but in no event later than ten (10) business days thereafter, MVB will cause the exchange agent to mail to each holder of record of one (1) or more old certificates (which, for purposes of this joint proxy statement/prospectus, shall be deemed to include certificates or book-entry account statements) representing shares of IFH common stock immediately prior to the effective time a letter of transmittal and instructions for use in effecting the surrender of such old certificate(s) in exchange for new certificates (which, for purposes of this joint proxy statement/prospectus, shall be deemed to include certificates or, at MVB&#8217;s option, evidence in book-entry form) representing the number of whole shares of MVB common stock and any cash in lieu of fractional shares, which shares of IFH common stock represented by such old certificate(s) shall have been converted into the right to receive pursuant to the merger agreement, as well as any dividends or distributions to be paid as described in &#8220;&#8212;Dividends and Distributions&#8221; below.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If an old certificate for IFH common stock has been lost, stolen or destroyed, the exchange agent will issue the consideration in the merger upon receipt of (i)&#160;an affidavit of that fact by the claimant and (ii)&#160;if required by MVB or the exchange agent, the posting of a bond in an amount as MVB or the exchange agent may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such old certificate.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">117<br></div></div></div>
<!--End Page 127-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 128-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">After the effective time, there will be no further transfers on the stock transfer books of IFH of IFH common stock that were issued and outstanding immediately prior to the effective time.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Withholding</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB will be entitled to deduct and withhold, or cause the exchange agent to deduct and withhold, from any cash in lieu of fractional shares, any dividends or distributions or any other cash amounts payable under the merger agreement to any holder of IFH common stock or equity awards such amounts it is required to deduct and withhold under the Code or any provision of state, local, or foreign tax law. If any such amounts are withheld and paid over to the appropriate governmental authority, such amounts will be treated for all purposes of the merger agreement as having been paid to the holder from whom they were withheld.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Dividends and Distributions</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">No dividends or other distributions declared with respect to MVB common stock will be paid to the holder of any unsurrendered old certificate representing shares of IFH common stock until the holder surrenders such old certificate in accordance with the merger agreement. After the surrender of an old certificate in accordance with the merger agreement, the record holder thereof will be entitled to receive any such dividends or other distributions, without any interest, which had previously become payable with respect to the whole shares of MVB common stock which the shares of IFH common stock, represented by such old certificate have been converted into the right to receive under the merger agreement.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;"><a name="tREPAW"><!--Anchor--></a>Representations and Warranties</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement contains representations and warranties made by IFH to MVB and MVB to IFH relating to a number of matters, including the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">corporate matters, including due organization and qualification and subsidiaries;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">capitalization;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">authority relative to execution and delivery of the merger agreement and the absence of conflicts with, or violations of, organizational documents or other obligations as a result of the mergers;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">required governmental and other regulatory and self-regulatory filings and consents and approvals in connection with the mergers;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reports to regulatory authorities;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">financial statements, internal controls, books and records, and absence of undisclosed liabilities;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">broker&#8217;s fees payable in connection with the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the absence of certain changes or events;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">legal proceedings;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">tax matters;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">employee matters and employee benefit matters;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">compliance with applicable laws;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">certain material contracts;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">absence of agreements with regulatory authorities;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">risk management instruments;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">environmental matters;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">investment securities and commodities;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">real property;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">intellectual property;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">118<br></div></div></div>
<!--End Page 128-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 129-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">related party transactions;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">inapplicability of takeover statutes;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">absence of action or circumstance that would prevent the merger from qualifying as a reorganization under Section 368(a) of the Code;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">opinions from each party&#8217;s respective financial advisor(s); </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the accuracy of information supplied for inclusion in this joint proxy statement/prospectus and other similar documents; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">loan portfolio matters;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">insurance matters; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">information security; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH&#8217;s cannabis business; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">IFH&#8217;s mortgage banking business.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The representations and warranties in the merger agreement are (i)&#160;subject, in some cases, to specified exceptions and qualifications contained in the confidential disclosure schedules delivered by MVB and IFH, respectively, and (ii)&#160;qualified by the reports of MVB filed with the SEC during the period from January&#160;1, 2019 through the time prior to the execution and delivery of the merger agreement (excluding, in each case, any risk factor disclosures in the risk factor section or any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, certain representations and warranties of MVB and IFH are qualified as to &#8220;materiality&#8221; or &#8220;material adverse effect.&#8221; For purposes of the merger agreement, a &#8220;material adverse effect,&#8221; when used in reference to either MVB and IFH or MVB as the surviving entity in the merger, means a material adverse effect on (i)&#160;the business, properties, assets, liabilities, results of operations or financial condition of such party and its subsidiaries taken as a whole or (ii)&#160;the ability of such party to timely consummate the transactions contemplated hereby.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">However, with respect to clause (i), a material adverse effect will not be deemed to include the impact of:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">changes, after the date of the merger agreement, in U.S. generally accepted accounting principles or applicable regulatory accounting requirements;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">changes, after the date of the merger agreement, in laws, rules or regulations (including any COVID-19 pandemic measures) of general applicability to companies in the industries in which such party and its subsidiaries operate, or interpretations thereof by courts or governmental entities;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">changes, after the date of the merger agreement, in global, national or regional political conditions (including the outbreak of war or acts of terrorism) or in economic or market (including equity, credit and debt markets, as well as changes in interest rates) conditions affecting the financial services industry generally and not specifically relating to such party or its subsidiaries (including any such changes arising out of the COVID-19 pandemic or any COVID-19 pandemic measures);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">changes, after the date of the merger agreement, resulting from hurricanes, earthquakes, tornadoes, floods or other natural disasters or from any outbreak of any disease or other public health event (including the COVID-19 pandemic);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">public disclosure of the consummation of the transactions contemplated by the merger agreement or actions expressly required by the merger agreement or that are taken with the prior written consent of the other party in contemplation of the transactions contemplated by the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet internal or other estimates, predictions, projections or forecasts of revenue, net income or any other measure of financial performance or budget, business or strategic plan for any period (provided that the underlying causes of such decline or failure may be taken into account in determining whether a material adverse effect has occurred); </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">119<br></div></div></div>
<!--End Page 129-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 130-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the expenses incurred by MVB and IFH in negotiating, documenting, effecting and consummating the transactions contemplated by the merger agreement; or </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">changes proximately caused by the impact of the execution or announcement of the merger agreement and the consummation of the transactions contemplated thereby on relationships with customers or employees (including the loss of personnel subsequent to the date of the merger agreement). </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">With respect to the first, second, third and fourth bullets described above, to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its subsidiaries, taken as a whole, as compared to other companies in the industry in which such party and its subsidiaries operate.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The representations and warranties in the merger agreement do not survive the effective time.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;"><a name="tCOVEAGRE"><!--Anchor--></a>Covenants and Agreements</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Conduct of Businesses Prior to the Consummation of the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Prior to the effective time (or earlier termination of the merger agreement), except as expressly contemplated or permitted by the merger agreement, required by law or as consented to in writing by MVB (or, in the case of clause (b), below, IFH) (such consent not to be unreasonably withheld, conditioned or delayed), (a) IFH shall, and shall cause its subsidiaries to, conduct its business in the ordinary course in all material respects and use commercially reasonable efforts to maintain and preserve intact its business organization, the services of its employees and its advantageous business relationships, and (b) except as expressly required by the merger agreement, required by law or as consented to in writing by the other party, each of IFH and MVB shall not, and shall cause their respective subsidiaries not to, knowingly take any action that would reasonably be expected to adversely affect or materially delay the ability to obtain any necessary approvals of any regulatory agency or other governmental entity required for the transactions contemplated by the merger agreement or to perform its respective covenants and agreements under the merger agreement or to consummate the transactions contemplated by the merger agreement on a timely basis. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Additionally, prior to the effective time (or earlier termination of the merger agreement), except as set forth in the IFH disclosure schedules, as expressly contemplated or permitted by the merger agreement or as required by law, IFH will not take, and will not permit any of its subsidiaries to, without the prior written consent of MVB (such consent not to be unreasonably withheld, conditioned or delayed), take any of the following actions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">other than in the ordinary course of business consistent with past practice, incur any indebtedness for borrowed money (other than indebtedness of IFH or any of its wholly-owned subsidiaries to IFH or any of its subsidiaries), assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other individual, corporation or other entity; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">adjust, split, combine or reclassify any capital stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make, declare or pay any dividend, or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or any securities or obligations convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) into or exchangeable for any shares of its capital stock (except (A) dividends paid by any of the subsidiaries of IFH to IFH or any of its wholly-owned subsidiaries, or (B) the acceptance of shares of IFH common stock as payment for the exercise price of IFH stock options or for withholding taxes incurred in connection with the exercise of IFH stock options or the vesting or settlement of IFH equity awards, in each case in accordance with past practice and the terms of the applicable award agreements);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">grant any IFH equity awards (or any similar award that would be an IFH equity award had it been issued under an IFH stock plan) or other equity-based awards or interests, or grant any individual, corporation or other entity any right to acquire any shares of its capital stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">issue, sell or otherwise permit to become outstanding any additional shares of capital stock or securities convertible or exchangeable into, or exercisable for, any shares of its capital stock or any options, warrants, or other rights of any kind to acquire any shares of capital stock, except pursuant to the exercise of stock options or the settlement of equity compensation awards outstanding as of the date of the merger agreement in accordance with their terms;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">120<br></div></div></div>
<!--End Page 130-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 131-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">sell, transfer, mortgage, encumber or otherwise dispose of any of its material properties or assets or any business to any person, or cancel, release or assign any indebtedness to any such person or any claims held by any such person, in each case other than in the ordinary course of business consistent with past practice or pursuant to contracts or agreements in force at the date of the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">except for transactions in the ordinary course of business consistent with past practice, make any material investment either by purchase of stock or securities, contributions to capital, property transfers, or purchase of any property or assets of any other individual, corporation or other entity other than a wholly-owned subsidiary of IFH;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">terminate, materially amend, or waive any material provision of, any material contract, or make any change in any instrument or agreement governing the terms of any of its securities, or material lease or contract, other than normal renewals of contracts and leases without material adverse changes of terms with respect to IFH, or enter into any contract that would constitute a material contract if it were in effect on the date of the merger agreement, except for transactions in the ordinary course of business consistent with past practice;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">except as required under applicable law, the terms of any IFH benefit plan existing as of the date hereof, or as set forth in the IFH disclosure schedules, (i)&#160;enter into, establish, adopt, amend or terminate any IFH benefit plan, or any arrangement that would be an IFH benefit plan if in effect on the date hereof, other than with respect to broad-based welfare benefit plans (other than severance) in the ordinary course of business consistent with past practice and as would not reasonably be expected to materially increase the cost of benefits under any such IFH benefit plan, as the case may be, (ii)&#160;increase the compensation or benefits payable to any current or former employee, director or individual consultant, other than increases for current employees with an annual base salary below $100,000 in connection with a promotion (permitted hereunder) or change in responsibilities, in each case, in the ordinary course of business consistent with past practice and to a level consistent with similarly situated peer employees, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation or benefits, (iv)&#160;enter into any new, or amend any existing, employment, severance, change in control, retention, collective bargaining agreement or similar agreement or arrangement, (v)&#160;fund any rabbi trust or similar arrangement, or in any other way secure the payment of compensation or benefits under any IFH benefit plan, (vi)&#160;terminate the employment or services of any employee with an annual base salary (exclusive of commissions) equal to or in excess of $150,000, other than for cause, or (vii)&#160;hire or promote any employee with an annual base salary equal to or in excess of $100,000 (other than as a replacement hire or promotion on substantially similar terms of employment as the departed employee), or significantly change the responsibilities assigned to any such employee; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">settle any material claim, suit, action or proceeding, other than those relating to any foreclosure action by IFH or except in the ordinary course of business consistent with past practice in an amount and for consideration not in excess of $100,000 individually or $250,000 in the aggregate and that would not impose any material restriction on the business of it or its subsidiaries or MVB, as the surviving corporation;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">amend its articles of incorporation, its bylaws or comparable governing documents of its subsidiaries;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">merge or consolidate itself or any of its subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its subsidiaries; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">materially restructure or materially change its investment securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported or purchase any security rated below investment grade, in each case, other than (i)&#160;in the ordinary course of business consistent with past practice or (ii)&#160;as may be required by GAAP or any applicable laws, regulations, guidelines or policies imposed by a governmental entity;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">121<br></div></div></div>
<!--End Page 131-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 132-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">take any action that is intended or expected to result in any of its representations and warranties set forth in the merger agreement being or becoming untrue in any material respect at any time prior to the effective time, or in any of the conditions to the merger not being satisfied or in a violation of any provision of the merger agreement, except, in every case, as may be required by applicable law; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">implement or adopt any change in its accounting principles, practices or methods, other than as may be required by GAAP or applicable law;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">enter into any new line of business or change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating, securitization and servicing policies (including any change in the maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required by applicable law, regulation or policies imposed by any governmental entity;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make any loans or extensions of credit except (i)&#160;in the ordinary course of business consistent with past practice, (ii)&#160;with aggregate outstanding commitments to any borrower or group of related borrowers not in excess of $750,000, (iii)&#160;government guaranteed loans with unguaranteed portions not exceeding $1,250,000, or (iv)&#160;pursuant to existing commitments; provided, that MVB shall be required to respond to any requests for a consent to make such loan or extension of credit in writing within two&#160;(2)&#160;business days after the loan package is delivered to MVB; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make any material changes in its policies and practices with respect to (i)&#160;underwriting, pricing, originating, acquiring, selling, servicing, or buying or selling rights to service, loans or (ii)&#160;its investment, risk and asset liability management or hedging practices and policies, in each case except as required by law or requested by a regulatory agency; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make, or commit to make, any individual capital expenditures in excess of $100,000;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make any tax election in the ordinary course of business that is inconsistent with IFH&#8217;s (or its subsidiaries&#8217;) prior practices, make any other tax election, change or revoke any material tax election, change an annual tax accounting period, adopt or change any tax accounting method, file any amended tax return, enter into any closing agreement with respect to taxes, or settle any tax claim, audit, assessment or dispute or surrender any right to claim a refund of taxes;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make application for the opening, relocation or closing of any, or open, relocate or close any, branch office, loan production office or other significant office or operations facility of it or its subsidiaries; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">knowingly take any action that is intended to or would reasonably be likely to prevent, materially impede or materially delay the ability of MVB, IFH or their respective subsidiaries to obtain any necessary approvals of any governmental entity required for the merger (including the requisite regulatory approvals) or to perform their covenants and agreements under the merger agreement or to consummate the transactions contemplated thereby; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">increase or decrease the rate of interest paid on time deposits, or on certificates of deposit, except in a manner consistent with market conditions and pursuant to policies consistent with past practices; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">extend or shorten the maturity dates on any loans or extensions of credit or extend or shorten the term on any time deposits except, in each case, as consistent with past practice but, in no event, for a period greater than twelve (12) months; provided, that MVB shall be required to respond to any requests for a consent to such modification within two (2) business days after the request is received by MVB; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any of the foregoing. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Prior to the effective time (or earlier termination of the merger agreement), except as set forth in the MVB disclosure schedules, as expressly contemplated or permitted by the merger agreement or as required by law, MVB will not take, and will not permit any of its subsidiaries to, without the prior written consent of IFH (such consent not to be unreasonably withheld, conditioned or delayed), take any of the following actions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">amend its articles of incorporation, its regulations or comparable governing documents of its subsidiaries in a manner that would adversely affect the economic benefits of the merger to the holders of the IFH common stock; </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">122<br></div></div></div>
<!--End Page 132-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 133-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">adjust, split, combine or reclassify any capital stock;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">adopt or publicly propose a plan of complete or partial liquidation or resolutions providing for or authorizing such a liquidation or a dissolution of MVB; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">make any written communications to the employees of IFH or any of its subsidiaries without prior consultation with the IFH and consideration of any IFH comments in good faith; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any of the foregoing. </div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Regulatory Matters</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH have agreed to cooperate with each other and use their respective reasonable best efforts to prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, (and in the case of the applications, notices, petitions and filings in respect of the requisite regulatory approvals, use their reasonable best efforts to make such filings as soon as practicable but in no event later than sixty (60) days of the date of the merger agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties, and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement, and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such governmental entities. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each of MVB and IFH has agreed to use its reasonable best efforts to (i)&#160;avoid the entry of, or to have vacated, lifted, reversed or overturned any decree, judgment, injunction or other order, whether temporary, preliminary or permanent, that would restrain, prevent or delay the closing, and (ii)&#160;avoid or eliminate each and every impediment, including with respect to obtaining the requisite regulatory approvals, so as to enable the closing to occur as soon as possible. Notwithstanding the foregoing, nothing in the merger agreement requires MVB or permits IFH to take, or agree to take, any action, or commit to take any action, or agree to any condition or restriction, in connection with the grant of a requisite regulatory approval, that would reasonably be expected to have a material adverse effect on MVB and its subsidiaries, taken as a whole, after giving effect to the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH have also agreed to furnish each other with all information reasonably necessary or advisable in connection with any statement, filing, notice or application to any governmental entity in connection with the merger and the other transactions contemplated by the merger agreement, as well as to keep each other apprised of the status of matters related to the consummation of the transactions contemplated by the merger agreement. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Employee Matters</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that, for a period of twelve (12) months after the effective time (or such shorter period if the employee is employed for less than twelve (12) months), MVB shall provide each of the employees of IFH and its subsidiaries who continue to be employed by MVB and its subsidiaries immediately following the effective time (whom we refer to as &#8220;Continuing Employees&#8221;) with (i)&#160;a base salary or wage rate, as applicable, that is no less than the base salary or wage rate, as applicable, provided to the Continuing Employee prior to the effective time, (ii)&#160;target cash bonus opportunities that are no less favorable than the target cash bonus opportunities that are generally made available to similarly situated employees of MVB and its subsidiaries and (iii)&#160;employee benefits that, in the aggregate, are substantially the same as those that are generally made available to similarly situated employees of MVB and its subsidiaries. Any employee of IFH and its subsidiaries who is not party to a contractual agreement providing for a change in control benefit and who is terminated by IFH without cause at MVB&#8217;s request on the closing date or by MVB without cause within nine (9) months following the closing date, or who voluntarily resigns employment due to involuntary relocation of employee&#8217;s principal place of employment to a location which is more than twenty&#8211;five (25) miles from the employees principal place of employment immediately prior to the closing date, shall be entitled to certain severance payments. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that, with respect to any employee benefit plans of MVB or its subsidiaries in which any continuing employees become eligible to participate on or after the effective time (the &#8220;new plans&#8221;), </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">123<br></div></div></div>
<!--End Page 133-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 134-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">MVB will use commercially reasonable efforts to, (i)&#160;waive all pre-existing conditions, exclusions or waiting periods with respect to participation and coverage requirements applicable to such continuing employees and their eligible dependents under any new plans, except to the extent such pre-existing conditions, exclusions or waiting periods would apply under an analogous IFH benefit plan, (ii)&#160;provide each such employee and their eligible dependents with credit for any eligible expenses incurred prior to the effective time under an IFH benefit plan (to the same extent that such credit was given under the analogous IFH benefit plan prior to the effective time) in satisfying any applicable deductible, co-payment or out-of-pocket requirements under any new plan and (iii)&#160;recognize all service of such employees with IFH and its subsidiaries for all purposes in any new plan to the same extent such service was taken into account under the analogous IFH benefit plan prior to the effective time. The merger agreement provides that the foregoing service recognition will not apply (a) to the extent it would result in duplication of benefits for the same period of service, (b) for purposes of any defined benefit pension or post-retirement welfare plan or (c) where such service is with respect to a newly established benefit plan of MVB for which similarly situated employees of MVB do not receive past service credit.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If requested by MVB in writing at least fifteen (15) business days prior to the effective time (or sixty (60) days prior to the effective time with respect to IFH&#8217;s multi-employer plan), IFH will take all action to amend, freeze, terminate or withdraw from all IFH benefit plans or multi-employer plans immediately prior to the effective time. IFH will, prior to the effective time, (i)&#160;terminate the West Town Bank &amp; Trust Supplemental Executive Benefit Plan and (ii)&#160;terminate the IFH 401(k) plan effective as of the day immediately prior to the effective time and contingent upon the occurrence of the closing. In addition to the foregoing, prior to the effective time, IFH shall take any and all actions as may be required, including adopting amendments to the IFH 401(k) Plan to permit each participant in the IFH 401(k) Plan who has a loan outstanding at the effective time to make arrangements to continue to repay such loan in accordance with the original amortization schedule until such time as the participant&#8217;s 401(k) account balance is distributed. In connection with the termination of the IFH 401(k) Plan and the merger, IFH will provide that (a) all IFH 401(k) Plan participant accounts shall be fully vested, (b) all benefit accruals under the IFH 401(k) Plan will be frozen and no new participants will be admitted to the IFH 401(k)&#160;Plan on or after the IFH 401(k) Plan termination date, and (c) any contributions due to the IFH 401(k)&#160;Plan for the period before the IFH 401(k) Plan termination date and not yet paid by the IFH 401(k) Plan termination date will be contributed by IFH as soon as administratively feasible after the IFH 401(k) Plan termination date. As soon as practicable following the IFH 401(k) Plan termination date, the account balances in the IFH 401(k) Plan shall either be distributed to participants and beneficiaries or transferred to an eligible tax-qualified retirement plan or individual retirement account as a participant or beneficiary may direct. Prior to the distribution of account balances in the IFH 401(k) Plan, MVB will take any and all actions as may be required, including adopting amendments to the tax-qualified defined contribution retirement plan designated by MVB to permit each Continuing Employee to make rollover contributions of &#8220;eligible rollover distributions&#8221; (within the meaning of Section 401(a)(31) of the Code, including of outstanding plan loans) at the time of such distribution from the IFH 401(k) Plan in the form of cash, notes (in the case of loans) or a combination thereof, in an amount equal to the full account balance distributed to such Continuing Employee from the IFH 401(k) Plan. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Nothing in the merger agreement will confer upon any employee, officer, director or consultant of IFH or any of its subsidiaries or affiliates any right to continue in the employ or service of the surviving entity, IFH, MVB or any subsidiary or affiliate thereof, or will interfere with or restrict in any way the rights of the surviving entity, IFH, MVB or any subsidiary or affiliate thereof to discharge or terminate the services of any employee, officer, director or consultant of IFH or any of its subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in the merger agreement will be deemed to (i)&#160;establish, amend, or modify any IFH benefit plan, MVB benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement, or (ii)&#160;alter or limit the ability of the surviving entity or any of its subsidiaries or affiliates to amend, modify or terminate any particular IFH benefit plan, MVB benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement after the effective time. Without limiting the generality of the terms of the merger agreement, nothing in the merger agreement, express or implied, is intended to or will confer upon any person, including any current or former employee, officer, director or consultant of IFH or any of its subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of the merger agreement.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has agreed to take all steps necessary to ensure that in the event that the amounts of any change in control payment, either individually or in conjunction with a payment or benefit under any other plan, agreement or </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">124<br></div></div></div>
<!--End Page 134-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 135-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">arrangement that is aggregated for purposes of Code Section 280G (in the aggregate, &#8220;Total Payments&#8221;), would constitute an &#8220;excess parachute payment&#8221; within the meaning of Section 280G of the Code that is subject to the tax imposed by Section 4999 of the Code, then the amounts of such change in control payment shall be reduced such that the value of the Total Payments that each counterparty is entitled to receive shall be $1.00 less than the maximum amount which the counterparty may receive without becoming subject to the excise tax or resulting in a disallowance of a deduction of the payment of such amount under Section 280G of the Code.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB has agreed to assume and honor in accordance with their terms all employment or change in control agreements or equity award agreements, vested as of the closing date under the IFH benefit plans; provided, that MVB may replace such IFH benefit plans with a similar benefit plan of MVB. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH and MVB will cooperate and use their commercially reasonable efforts to establish an aggregate retention bonus amount and identify key employees of IFH or MVB who will be offered a retention bonus prior to the effective time upon such terms and conditions as the chief executive officers of IFH and MVB shall mutually agree.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Director and Officer Indemnification and Insurance</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that from and after the effective time, MVB as the surviving entity in the merger will indemnify and hold harmless all present and former directors, officers and employees of IFH and its subsidiaries against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the effective time, arising out of the fact that such person is or was a director, officer or employee of IFH or any of its subsidiaries and pertaining to matters existing or occurring at or prior to the effective time, including the transactions contemplated by the merger agreement to the same extent as such persons are indemnified as of the date of the merger agreement by IFH pursuant to IFH&#8217;s articles, IFH&#8217;s bylaws, the governing or organizational documents of any subsidiary of IFH and any indemnification agreements in existence as of the date of the merger agreement; and MVB as the surviving entity in the merger shall also advance expenses as incurred by such indemnified party to the same extent as such persons were entitled to advancement of expenses as of the date of the merger agreement by IFH. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement requires MVB, as the surviving entity in the merger, to maintain for a period of six (6) years after consummation of the merger IFH&#8217;s existing directors&#8217; and officers&#8217; liability insurance policy, or policies with a substantially comparable insurer of at least the same coverage and amounts and containing terms and conditions that are no less advantageous to the insured, with respect to claims arising from facts or events that occurred at or prior to the consummation of the merger. However, MVB is not required to spend annually more than two hundred percent (200%) of the current annual premium paid as of the date of the merger agreement by IFH for such insurance (the &#8220;premium cap&#8221;), and if such premiums for such insurance would at any time exceed that amount, then MVB will maintain policies of insurance which, in its good faith determination, provide the maximum coverage available at an annual premium equal to the premium cap. In lieu of the foregoing, IFH, in consultation with, but only upon the consent of MVB, may (and at the request of MVB, IFH will use its reasonable best efforts to), obtain at or prior to the effective time a six (6)-year &#8220;tail&#8221; policy under IFH&#8217;s existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if such a policy can be obtained for an amount that, in the aggregate, does not exceed the premium cap.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Name and Headquarters </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The name of the surviving corporation and surviving bank will be MVB Financial Corp. and MVB Bank, Inc., respectively; that the headquarters of MVB and the main office of MVB Bank will be located in Fairmont, West Virginia.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Restructuring Efforts</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement provides that if IFH fails to obtain the required vote of IFH shareholders to approve the IFH merger proposal or if MVB fails to obtain the required vote of MVB shareholders to approve the MVB merger proposal, each of the parties will in good faith use its reasonable best efforts to negotiate a restructuring of the transactions contemplated by the merger agreement (provided that neither party will have any obligation to </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">125<br></div></div></div>
<!--End Page 135-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 136-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">alter or change any material terms, including the amount or kind of the consideration to be issued to holders of the capital stock of IFH as provided for in the merger agreement, in a manner adverse to such party or its shareholders) and/or resubmit the merger agreement or the transactions contemplated thereby (or as restructured) to its respective shareholders or shareholders, as applicable, for adoption or approval.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Certain Additional Covenants</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement also contains additional covenants, including, among others, covenants relating to the filing of this joint proxy statement/prospectus, obtaining required consents, the listing of the shares of MVB common stock to be issued in the merger, access to information of the other company, additional agreements, advice of changes, exemption from takeover restrictions, the coordination of dividend declarations, the assumption by MVB of IFH&#8217;s indebtedness, public announcements with respect to the transactions contemplated by the merger agreement and settlement of the RESPA Litigation.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;"><a name="tCOCG"><!--Anchor--></a>Combined Company Governance </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Management of the Combined Company after the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At the effective time, the Board of Directors of MVB, and the committees thereof, shall remain unchanged and shall consist of the directors of MVB immediately prior to the effective time, each of whom shall serve as the directors of MVB until the next annual meeting of shareholders and until such time as their respective successors have been duly elected and qualified, or until their earlier death, resignation or removal from office. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The executive officers of MVB shall continue as executive officers of MVB immediately after the effective time, each of whom shall serve until their respective successors are duly appointed and qualified or their earlier death, resignation or removal. Contingent upon the closing of the merger, IFH President and Chief Executive Officer Eric J. Bergevin will join MVB&#8217;s team as MVB&#8217;s Executive Vice President, Chief Revenue Officer, and Mr.&#160;Steven E. Crouse will serve as MVB&#8217;s Chief Financial Officer.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;"><a name="tMEETINGR"><!--Anchor--></a>Meetings; Recommendation of IFH&#8217;s and MVB&#8217;s Boards of Directors</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each of MVB and IFH has agreed to call a meeting of their respective shareholders for the purpose of voting upon the approval of the merger agreement (in the case of the IFH shareholders, the &#8220;requisite IFH vote,&#8221; and in the case of the MVB shareholders, the &#8220;requisite MVB vote&#8221;), and to use reasonable best efforts to cause the meetings to occur as soon as reasonably practicable. Such meetings may be held virtually, subject to applicable law and the organizational documents of each party.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each of MVB and IFH and their respective boards of directors has agreed to use its reasonable best efforts to obtain from IFH shareholders and MVB shareholders, respectively, the requisite IFH vote and the requisite MVB vote, including by communicating to IFH shareholders and MVB shareholders, as applicable, its recommendation that IFH shareholders and MVB shareholders, respectively, adopt and approve the merger agreement and the transactions contemplated thereby (the &#8220;IFH board recommendation&#8221; and the &#8220;MVB board recommendation&#8221;), as applicable. However, subject to certain termination rights described in &#8220;&#8212;Termination of the Merger Agreement&#8221; below, if the IFH board of directors or the MVB board of directors, after receiving the advice of its outside counsel and, with respect to financial matters, its outside financial advisors, determines in good faith that it would be reasonably likely to result in a violation of its fiduciary duties under applicable law to continue to make the IFH board recommendation or the MVB board recommendation, as applicable, then, in the case of IFH, prior to the receipt of the requisite IFH vote, and in the case of MVB, prior to the receipt of the requisite MVB vote, such board of directors may submit the merger agreement to its shareholders without recommendation (although the resolutions approving the merger agreement may not be rescinded or amended) and may communicate the basis for its lack of a recommendation to its shareholders to the extent required by law, provided that (i)&#160;it gives the other party at least five (5) business days&#8217; prior written notice of its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action (including, in the event such action is taken in response to an acquisition proposal, the latest material terms and conditions of, and the identity of the third party making any such acquisition proposal, or any amendment or modification thereof, and a copy thereof if in writing and any related documentation or correspondence) and (ii)&#160;at the end of such notice period, it takes into account any amendment or modification to the merger agreement proposed by the other party and, after receiving the advice of its outside counsel and, with </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">126<br></div></div></div>
<!--End Page 136-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 137-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">respect to financial matters, its outside financial advisors, determines in good faith that it would nevertheless be reasonably likely to result in a violation of its fiduciary duties under applicable law to continue to make the IFH board recommendation or the MVB board recommendation, as the case may be. Any material amendment to any acquisition proposal will require a new notice period.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH must adjourn or postpone the MVB shareholders meeting or the IFH shareholders meeting, as applicable, if there are insufficient shares of MVB common stock or IFH common stock, as the case may be, represented (either in attendance or by proxy) to constitute a quorum necessary to conduct the business of such meeting, or if on the date of such meeting, MVB or IFH, as applicable, has not received proxies representing a sufficient number of shares necessary to obtain the requisite MVB vote or the requisite IFH vote, and subject to the terms and conditions of the merger agreement, MVB or IFH, as applicable, will continue to use reasonable best efforts to solicit proxies from its shareholders. Notwithstanding any recommendation change by the MVB board of directors or the IFH board of directors, but subject to the obligation to adjourn or postpone such meetings as described in the immediately preceding sentence, unless the merger agreement has been terminated in accordance with its terms, each party is required to convene a meeting of its shareholders and to submit the merger proposal to a vote of such shareholders. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;"><a name="tAGREEN"><!--Anchor--></a>Agreement Not to Solicit Other Offers</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has agreed that it will, and will cause each of its subsidiaries and representatives to, immediately cease, and cause to be terminated, any activities, discussions or negotiations conducted before the date of the merger agreement with any person other than MVB with respect to any acquisition proposal. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has agreed that it will not, and will cause each of its subsidiaries and its and their respective officers, directors, employees, agents, advisors and representatives not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate any inquiries or proposals with respect to any acquisition proposal, (ii)&#160;engage or participate in any negotiations concerning any acquisition proposal or (iii)&#160;provide any confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to any acquisition proposal. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For purposes of the merger agreement, an &#8220;acquisition proposal&#8221; means, with respect to IFH, other than the transactions contemplated by the merger agreement, any offer, proposal or inquiry relating to, or any third party indication of interest in, (i)&#160;any acquisition or purchase, direct or indirect, of twenty-five percent (25%) or more of the consolidated assets of IFH and its subsidiaries or twenty-five percent (25%) or more of any class of equity or voting securities of IFH or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more of the consolidated assets of IFH, (ii)&#160;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result in such third party beneficially owning twenty-five percent (25%) or more of any class of equity or voting securities of IFH or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more of the consolidated assets of IFH, or (iii)&#160;a merger, consolidation, share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving IFH or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more of the consolidated assets of IFH.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">However, in the event that after the date of the merger agreement and prior to the receipt of the requisite IFH vote, IFH receives an unsolicited <font style="font-style: italic;">bona fide</font> written acquisition proposal, it may, and may permit its subsidiaries and its and their subsidiaries&#8217; officers, directors, agents, advisors and representatives to, furnish or cause to be furnished nonpublic information or data and participate in negotiations or discussions with the person making the acquisition proposal if the IFH board of directors concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisors) that failure to take such actions would be reasonably likely to result in a violation of its fiduciary duties under applicable law, provided that, prior to furnishing any confidential or nonpublic information, IFH enters into a confidentiality agreement with the person making such acquisition proposal on terms no less favorable to it than the confidentiality agreement between MVB and IFH, and which confidentiality agreement does not provide such person with any exclusive right to negotiate with such party.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH has also agreed to (i)&#160;promptly (and, in any event, within twenty-four (24) hours) advise MVB following receipt of any acquisition proposal or any inquiry which could reasonably be expected to lead to an acquisition proposal, and the substance thereof (including the terms and conditions of and the identity of the person making such inquiry or acquisition proposal and a copy thereof if in writing and any related documentation or </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">127<br></div></div></div>
<!--End Page 137-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 138-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg14"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">correspondence), and will keep MVB apprised of any related developments, discussions and negotiations on a current basis, including any amendments to or revisions of the material terms of such inquiry or acquisition proposal and (ii)&#160;use its reasonable best efforts to enforce any existing confidentiality or standstill agreements to which it or any of its subsidiaries is a party.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;"><a name="tCCMERG"><!--Anchor--></a>Conditions to Complete the Merger</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB&#8217;s and IFH&#8217;s respective obligations to complete the merger are subject to the satisfaction or, where legally permissible, waiver, at or prior to the effective time, of the following conditions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the requisite MVB vote and the requisite IFH vote having been obtained;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the authorization for listing on NASDAQ, subject to official notice of issuance, of the MVB common stock to be issued in the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">all requisite regulatory approvals having been obtained and remaining in full force and effect, and all statutory waiting periods in respect thereof having expired or been terminated, without the imposition of any materially burdensome regulatory condition;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the effectiveness of the registration statement of which this joint proxy statement/prospectus is a part, and the absence of any stop order (or proceedings for such purpose initiated or threatened and not withdrawn);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">no order, injunction or decree by any court or governmental entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the merger or any of the other transactions contemplated by the merger agreement being in effect, and no statute, rule, regulation, order, injunction or decree having been enacted, entered, promulgated or enforced by any governmental entity which prohibits or makes illegal the consummation of the merger;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the accuracy of the representations and warranties of the other party contained in the merger agreement as of the date on which the merger agreement was entered into and as of the date on which the merger is completed, subject to the materiality standards provided in the merger agreement (and the receipt by each party of an officers&#8217; certificate from the other party to such effect);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the performance by the other party in all material respects of all obligations, covenants and agreements required to be performed by it under the merger agreement at or prior to the date on which the merger is completed (and the receipt by each party of an officers&#8217; certificate from the other party to such effect);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of MVB&#8217;s obligations to complete the merger, settlement of the RESPA Litigation; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">receipt by each party of an opinion of legal counsel to the effect that on the basis of facts, representations and assumptions set forth or referred to in such opinion, the merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of MVB&#8217;s obligations to complete the merger, the continued effectiveness of certain employment agreements between MVB and employees of IFH (see &#8220;The Merger&#8212;Interests of IFH Directors and Executive Officers in the Merger&#8221; beginning on page <a href="#tINTEREST">104</a> for additional information regarding such employment agreements); and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the case of MVB&#8217;s obligations to complete the merger, immediately prior to the closing, not more than ten (10%) of IFH common stock shall be held by persons who either have exercised, or are then entitled to exercise, appraisal rights under the NCBCA.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Neither IFH nor MVB can provide assurance as to when or if all of the conditions to the merger can or will be satisfied or waived by the appropriate party.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;"><a name="tTERMAGR"><!--Anchor--></a>Termination of the Merger Agreement</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement can be terminated at any time prior to the consummation of the merger, whether before or after the receipt of the requisite MVB vote or the requisite IFH vote, in the following circumstances:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by mutual written consent of MVB and IFH;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">128<br></div></div></div>
<!--End Page 138-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 139-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg15"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH if any governmental entity that must grant a requisite regulatory approval has denied approval of the merger or the transactions contemplated by the merger agreement and such denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order permanently enjoining or otherwise prohibiting or making illegal the transactions contemplated by the merger agreement, unless the failure to obtain a requisite regulatory approval is due to the failure of the party seeking to terminate the merger agreement to perform or observe its covenants and agreements under the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH if the merger has not been completed on or before August&#160;1, 2023 (the &#8220;termination date&#8221;), unless the failure of the merger to be completed by such date is due to the failure of the party seeking to terminate the merger agreement to perform or observe its covenants and agreements under the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by either MVB or IFH (provided that the terminating party is not then in material breach of any representation, warranty, obligation, covenant or other agreement contained in the merger agreement) if there is a breach of any of the covenants or agreements or any of the representations or warranties (or any such representation or warranty ceases to be true) set forth in the merger agreement on the part of IFH, in the case of a termination by MVB, or on the part of MVB, in the case of a termination by IFH, which either individually or in the aggregate would constitute, if occurring or continuing on the date the merger is completed, the failure of a closing condition of the terminating party and which is not cured within forty-five (45) days following written notice to the party committing such breach, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the termination date);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by MVB, if, prior to the time the requisite IFH vote is obtained, (i)&#160;IFH or the IFH board of directors (A) submits the merger agreement to its shareholders without a recommendation for approval, or otherwise withdraws, qualifies or materially and adversely modifies (or publicly discloses its intention to withdraw, qualify or materially and adversely modify) its recommendation to approve the merger agreement, or approves or recommends to its shareholders an acquisition proposal other than the merger, (B) fails to publicly recommend against a publicly announced acquisition proposal within five&#160;(5) business days of being requested to do so by MVB or fails to publicly reconfirm the recommendation in favor of the merger within five (5) business days of being requested to do so by MVB or (C) shall have breached its obligations relating to non-solicitation of acquisition proposals or its obligations related to shareholder approval and the IFH board recommendation; or (ii)&#160;a tender offer or exchange offer for 25% or more of the outstanding shares of IFH common stock is commenced (other than by MVB), and the board of directors of IFH recommends that the shareholders of IFH tender their shares in such tender or exchange offer or otherwise fails to recommend that such shareholders reject such tender offer or exchange offer within ten (10) business days (or such fewer number of days as remains prior to the IFH special meeting) after the commencement of such tender or exchange offer;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">by IFH, if prior to such time as the requisite MVB vote is obtained, MVB or the board of directors of MVB (i)&#160;submits the merger agreement to its shareholders without a recommendation for approval, or otherwise withdraws or materially and adversely modifies (or publicly discloses its intention to withdraw or materially and adversely modify) its recommendation in favor of the merger agreement, or (ii)&#160;shall have breached its obligations related to shareholder approval and the MVB board of directors&#8217; recommendation; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">(i)&#160;by MVB, or by IFH provided that IFH shall not be in material breach of any of its obligations related to shareholder approval and the IFH board of directors&#8217; recommendation, if the requisite IFH vote shall not have been obtained by reason of the failure to obtain the requisite IFH vote at the IFH special meeting or at any adjournment or postponement thereof or (ii)&#160;by IFH, or by MVB provided that MVB shall not be in material breach of any of its obligations related to shareholder approval and the MVB board of directors&#8217; recommendation, if the requisite MVB vote shall not have been obtained by reason of the failure to obtain the requisite MVB vote at the MVB special meeting or at any adjournment or postponement thereof.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">129<br></div></div></div>
<!--End Page 139-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 140-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg16"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">IFH also may terminate the merger agreement at any time during the five (5) day period commencing on the date on which the last regulatory approval required to permit the consummation of the transactions contemplated by the merger agreement is received (which we refer to as the &#8220;determination date&#8221;), if both following conditions are met:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;MVB market value&#8221;) is less than 82.5% of the average of the per share closing prices of a share of MVB common stock during the twenty (20) consecutive full trading days ending on August&#160;11, 2022 (which we refer to as the &#8220;starting date&#8221;), the last trading day immediately preceding the date of the first public announcement of entry into the merger agreement (which we refer to as the &#8220;initial MVB market value&#8221;); and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the number obtained by dividing the MVB market value by the initial MVB market value (which we refer to as the &#8220;purchaser ratio&#8221;) is less than the number obtained by dividing the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the trading day prior to the determination date (which we refer to as the &#8220;final index price&#8221;) by the average of the closing prices of the NASDAQ Bank Index (BANK) for the twenty (20) consecutive full trading days ending on the starting date and subtracting 0.175 from such quotient (which we refer to as the &#8220;index ratio&#8221;).</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If IFH elects to exercise this termination right, prompt written notice must be provided to MVB. MVB then has the option, within five business days following its receipt of such written notice, to increase the merger consideration to be received by holders of IFH common stock by, at MVB&#8217;s option, (i)&#160;increasing the exchange ratio (which we refer to as the &#8220;adjusted exchange ratio&#8221;) (calculated to the nearest one one-thousandth) to equal the lesser of (x)&#160;a number (rounded to the nearest one one-thousandth) obtained by dividing (1) the product of the initial MVB market value, 0.825 and the exchange ratio (as then in effect) by (2) the MVB market value; and (y) a number (rounded to the nearest one one-thousandth) obtained by dividing (1) the product of the index ratio and the exchange ratio (as then in effect) by (2) the purchaser ratio; or (ii)&#160;filling the difference between the adjusted exchange ratio and the exchange ratio in cash by multiplying the MVB market value by the difference in the adjusted exchange ratio and the exchange ratio (which we refer to as the &#8220;additional cash payment&#8221;). </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If MVB elects to make this adjustment, MVB must provide prompt written notice to IFH, which shall contain the revised exchange ratio or, as applicable, the additional cash payment. Once this notice is received by IFH, the merger agreement shall continue in full force and effect.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;"><a name="tEFFTER"><!--Anchor--></a>Effect of Termination</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the merger agreement is terminated, it will become void and have no effect, except that (i)&#160;none of IFH or MVB will be relieved or released from any liabilities or damages arising out of its fraud or willful and material breach of any provision of the merger agreement and (ii)&#160;designated provisions of the merger agreement will survive the termination, including those relating to payment of fees and expenses, the confidential treatment of information and the termination fee described below. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;"><a name="tTERMINFEE"><!--Anchor--></a>Termination Fee</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH will pay MVB a termination fee equal to $3,900,000 in cash (the &#8220;termination fee&#8221;) if the merger agreement is terminated in the following circumstances:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the event that the merger agreement is terminated by MVB pursuant to the fifth bullet set forth under &#8220;&#8212;Termination of the Merger Agreement&#8221; above. </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in the event, after the date of the merger agreement and prior to the termination of the merger agreement, a <font style="font-style: italic;">bona fide</font> acquisition proposal has been communicated to or otherwise made known to the IFH board of directors or IFH&#8217;s senior management or has been made directly to the IFH shareholders generally, or any person has publicly announced (and not withdrawn) an acquisition proposal with respect to IFH, and (i) (a) thereafter the merger agreement is terminated by either MVB or IFH because the merger has not been completed prior to the termination date, and IFH has not obtained the requisite IFH vote or (b) thereafter the merger agreement is terminated by MVB based on a breach of the merger agreement by IFH that would constitute the failure of an applicable closing condition or </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">130<br></div></div></div>
<!--End Page 140-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 141-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg17"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="bl" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-align: left;">because of a failure to obtain the requisite IFH vote at the IFH special meeting or any adjournment or postponement thereof, and (ii)&#160;prior to the date that is twelve (12) months after the date of such termination, IFH enters into a definitive agreement or consummates a transaction with respect to an acquisition proposal (whether or not the same acquisition proposal as that referred to above), provided that for purposes of the foregoing, all references in the definition of acquisition proposal to &#8220;twenty-five percent (25%)&#8221; will instead refer to &#8220;fifty percent (50%).&#8221; In such case, the termination fee must be paid to MVB on the earlier of the date IFH enters into such definitive agreement and the date of consummation of such transaction.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The termination fee and any amounts payable by IFH in connection therewith, constitute liquidated damages and not a penalty, and, except in the case of willful and material breach, will be the he maximum aggregate amount of monetary fees, liabilities or damages payable by IFH under the merger agreement in the event of a termination of the merger agreement under specified circumstances.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tEXPFEE"><!--Anchor--></a>Expenses and Fees</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Except as otherwise provided in the merger agreement, all costs and expenses incurred in connection with the merger agreement and the transactions contemplated thereby will be paid by the party incurring such expense. The merger agreement provides that the costs and expenses of printing and mailing this joint proxy statement/prospectus will be borne equally by MVB and IFH.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tAWEMA"><!--Anchor--></a>Amendment, Waiver and Extension of the Merger Agreement</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Subject to compliance with applicable law, the merger agreement may be amended by the parties at any time before or after the receipt of the requisite IFH vote or the requisite MVB vote, except that after the receipt of the requisite IFH vote, there may not be, without further approval of IFH shareholders any amendment to the merger agreement that requires such further approval under applicable law.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At any time prior to the effective time, each of the parties may, to the extent legally allowed, (i)&#160;extend the time for the performance of any of the obligations or other acts of the other party, (ii)&#160;waive any inaccuracies in the representations and warranties of the other party contained in the merger agreement or in any document delivered by such other parties pursuant to the merger agreement, and (iii)&#160;waive compliance with any of the agreements or satisfaction of any conditions for its benefit contained in the merger agreement, except that after the receipt of the requisite IFH vote or the requisite MVB vote, there may not be, without further approval of MVB shareholders or IFH shareholders, as applicable, any extension or waiver of the merger agreement or any portion thereof that requires such further approval under applicable law.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tGOVELAW"><!--Anchor--></a>Governing Law</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The merger agreement is governed by and will be construed in accordance with the laws of the State of Delaware, without regard to any applicable conflicts of law.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tSPEPER"><!--Anchor--></a>Specific Performance</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB and IFH will be entitled to specific performance of the terms of the merger agreement, including an injunction or injunctions to prevent breaches or threatened breaches of the merger agreement or to enforce specifically the performance of the terms and provisions of the merger agreement (including the parties&#8217; obligations to consummate the merger), in addition to any other remedy to which they are entitled at law or in equity. Each of MVB and IFH have waived (i)&#160;any defense in any action for specific performance that a remedy at law would be adequate and (ii)&#160;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">131<br></div></div></div>
<!--End Page 141-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 142-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_117-agreement_pg18"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tVOTAGREE"><!--Anchor--></a>VOTING AGREEMENTS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In connection with, and as a condition to, MVB entering into the merger agreement, each director and certain executive officers of IFH entered into a voting and support agreement with MVB (which we refer to as the &#8220;voting agreement&#8221;). The following summary of the voting agreement is subject to, and qualified in its entirety by reference to, the form of voting agreement attached as Exhibit A to the merger agreement, which is attached as <font style="font-weight: bold;">Annex&#160;A</font> to this joint proxy statement/prospectus.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Under the voting agreements, each such director and executive officer has agreed to appear at the IFH special meeting (in person or by proxy) and to vote his or her shares of IFH common stock:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">in favor of the adoption of the merger agreement, and in favor of each of the other actions contemplated by the merger agreement;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">against approval of any proposal made in opposition to, or in competition with, the merger or any other transactions contemplated by the merger agreement; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">against any of the following actions (other than those actions that relate to the merger and any other transactions between the MVB and IFH as contemplated by the merger agreement): (i)&#160;any merger, consolidation, business combination, sale of assets, or reorganization of IFH or any subsidiary of IFH, (ii)&#160;any sale, lease or transfer of any significant part of the assets of IFH or any subsidiary of IFH, (iii)&#160;any reorganization, recapitalization, dissolution, liquidation or winding up of IFH or any subsidiary of IFH, (iv)&#160;any material change in the capitalization of IFH or any subsidiary of IFH, or the corporate structure of IFH or any subsidiary of IFH, or (iv)&#160;any other action that is intended, or could reasonably be expected to, impede, interfere with, delay, postpone, discourage or adversely affect the merger or any other transactions between MVB and IFH as contemplated by the merger agreement. </div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, the voting agreement provides that each such shareholder party will not directly or indirectly, sell, pledge, encumber, assign, transfer or otherwise dispose of or encumber prior to the expiration date of the voting agreement, any or all of his or her shares of IFH common stock, subject to limited exceptions. The voting agreement further provides that each such shareholder party will not exercise or assert any appraisal rights to demand payment for any shares of IFH common stock that may arise with respect to the merger. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The voting agreements will terminate upon the earlier of (i)&#160;the termination of the merger agreement, (ii)&#160;the effective time of the merger, or (iii)&#160;any material modification, waiver or amendment of the merger agreement that affects adversely the consideration payable to the holders of IFH common stock as compared to that payable under the merger agreement as originally in effect.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of the IFH record date, IFH shareholders who are party to the voting agreements beneficially owned and were entitled to vote an aggregate of approximately [&#8195;] shares of IFH voting common stock, which represented approximately [&#8195;]% of the shares of IFH voting common stock outstanding on that date. As of the IFH record date, all the shares of IFH non-voting common stock entitled to vote at the IFH special meeting are bound by the voting agreement.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">132<br></div></div></div>
<!--End Page 142-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 143-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_118-tax_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tMATERUS"><!--Anchor--></a>MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following discussion sets forth the anticipated material United States federal income tax consequences of the merger to U.S. holders (as defined below) of IFH common stock that exchange their shares of IFH common stock for the merger consideration. This discussion does not address any tax consequences arising under the laws of any state, local or foreign jurisdiction, or under any United States federal laws other than those pertaining to income tax. This discussion is based upon the Code, the regulations promulgated under the Code, and court and administrative rulings and decisions, all as in effect on the date of this joint proxy statement/prospectus. These laws may change, possibly retroactively, and any change could affect the accuracy of the statements and conclusions set forth in this discussion. To the extent this section consists of statements as to matters of U.S.&#160;federal income tax law, this section constitutes the opinion of Wyrick Robbins Yates &amp; Ponton LLP and the opinion of Squire Patton Boggs (US) LLP.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This discussion addresses only the U.S. federal income tax consequences for holders of IFH common stock that hold their shares of IFH common stock as a capital asset within the meaning of Section 1221 of the Code (generally, property held for investment). Further, this discussion does not address all aspects of United States federal income taxation that may be relevant to you in light of your particular circumstances or that may be applicable to you if you are subject to special treatment under the United States federal income tax laws, including if you are:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a financial institution;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a tax-exempt organization;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a pass-through entity (or an investor in a pass-through entity);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">an insurance company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a mutual fund;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a dealer or broker in stocks and securities, or currencies;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a trader in securities that elects mark-to-market treatment;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a holder of IFH common stock that received IFH common stock through the exercise of an employee stock option, through a tax qualified retirement plan, or otherwise as compensation;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a person that is not a U.S. holder;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a person that has a functional currency other than the U.S. dollar;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a real estate investment trust;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a regulated investment company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a holder of IFH common stock that holds IFH common stock as part of a hedge, straddle, constructive sale, wash sale, conversion or other integrated transaction; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a United States expatriate.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, the discussion does not address any alternative minimum tax or any state, local or foreign tax consequences of the merger, nor does it address any tax consequences arising under the unearned income Medicare contribution tax pursuant to Code Section 1411. Determining the actual tax consequences of the merger to you may be complex. They will depend on your specific situation and on factors that are not within the control of IFH or MVB. You should consult with your own tax advisor as to the tax consequences of the merger in your particular circumstances.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For purposes of this discussion, the term &#8220;U.S. holder&#8221; means a beneficial owner of IFH common stock that is for United States federal income tax purposes (i)&#160;an individual citizen or resident of the United States, (ii)&#160;a corporation, or entity treated as a corporation, organized in or under the laws of the United States or any state thereof or the District of Columbia, (iii)&#160;a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States persons have the authority to control all substantial decisions of the trust, or (iv)&#160;an estate, the income of which is includible in gross income for United States federal income tax purposes regardless of its source.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">133<br></div></div></div>
<!--End Page 143-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 144-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_118-tax_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">The United States federal income tax consequences to a partner in an entity or arrangement that is treated as a partnership for United States federal income tax purposes and that holds IFH common stock generally will depend on the status of the partner and the activities of the partnership. Partners in a partnership holding IFH common stock should consult their own tax advisors.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tTAXCMG"><!--Anchor--></a>Tax Consequences of the Merger Generally </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The parties intend for the merger to qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. It is a condition to MVB&#8217;s obligation to complete the merger that MVB receive an opinion from Squire Patton Boggs (US) LLP, dated as of the closing date, to the effect that the merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. It is a condition to IFH&#8217;s obligation to complete the merger that IFH receive an opinion from Wyrick Robbins Yates &amp; Ponton LLP, dated as of the closing date, to the effect that the merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. Neither of the opinions described above will be binding on the U.S. Internal Revenue Service (&#8220;IRS&#8221;). MVB and IFH have not sought and will not seek any ruling from the IRS regarding any matters relating to the merger, and, accordingly, there can be no assurance that the IRS will not assert, or that a court would not sustain, a position contrary to any of the conclusions set forth below. In addition, if any of the representations, warranties, covenants or assumptions upon which the opinions described above are based (the&#160;&#8220;Representations and Assumptions&#8221;) are inconsistent with the actual facts, or if any condition contained in the merger agreement and affecting these opinions is breached or is waived by any party, the U.S. federal income tax consequences of the merger could be adversely affected.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As a &#8220;reorganization,&#8221; the material U.S. federal income tax consequences of the merger to U.S. holders of IFH common stock are that:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">a holder that receives solely shares of MVB common stock (or receives MVB common stock and cash solely in lieu of a fractional share) in exchange for shares of IFH common stock generally will not recognize any gain or loss upon the merger, except with respect to the cash received in lieu of a fractional share of MVB common stock as further described below;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the aggregate tax basis of the MVB common stock received in the merger (including fractional share interests in MVB common stock deemed received and exchanged for cash) will be equal to the holder&#8217;s aggregate tax basis in the IFH common stock for which it is exchanged; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the holding period of MVB common stock received in the merger (including any fractional shares deemed received and redeemed as described below) will include the holder&#8217;s holding period of the IFH common stock for which it is exchanged.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If a U.S. holder acquired different blocks of IFH common stock at different times and at different prices, a holder&#8217;s tax basis and holding period in MVB common stock may be determined with reference to each block of IFH common stock.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tCIFS"><!--Anchor--></a>Cash Instead of a Fractional Share</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A U.S. holder of IFH common stock that receives cash instead of a fractional share of MVB common stock will be treated as having received the fractional share of MVB common stock pursuant to the merger and then as having sold that fractional share for cash. As a result, generally such a U.S. holder will recognize gain or loss equal to the difference between the amount of cash received and the basis allocable to such holder&#8217;s fractional share of MVB common stock. This gain or loss generally will be capital gain or loss, and will be long-term capital gain or loss if, as of the effective time of the merger, the holding period for the shares (including the holding period of IFH common stock surrendered therefor) is greater than one (1) year. The deductibility of capital losses is subject to limitations.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">134<br></div></div></div>
<!--End Page 144-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 145-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_118-tax_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="tBACKW"><!--Anchor--></a>Backup Withholding</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Payments of cash to holders of IFH common stock (including cash in lieu of fractional shares) in connection with the merger may be subject to information reporting and backup withholding (currently at a rate of twenty-four percent (24%)). Such holders of IFH common stock generally will not be subject to backup withholding, however, if the holder:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">furnishes a correct taxpayer identification number, certifies that the holder is not subject to backup withholding on IRS Form W-9 (or an applicable substitute or successor form) included in the election form/letter of transmittal the holder will receive, and otherwise complies with all the applicable requirements of the backup withholding rules; or</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">provides proof of an applicable exemption from backup withholding.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules may be refunded or credited against a holder&#8217;s U.S. federal income tax liability, if any, if such holder timely furnishes the required information to the IRS.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tIR"><!--Anchor--></a>Information Reporting</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A holder of IFH stock that receives MVB common stock as a result of the merger will be required to retain records pertaining to the merger. In addition, each holder of IFH stock that is required to file a U.S. federal income tax return and that is a &#8220;significant holder&#8221; receiving MVB common stock in the merger will be required to file a statement with the holder&#8217;s U.S. federal income tax return for the year of the merger, in accordance with Section 1.368-3 of the U.S. Treasury Department regulations promulgated under the Code. The statement should set forth information regarding the corporate parties to the merger, the date of the merger, and the fair market value and the holder&#8217;s basis of the IFH stock and any other IFH securities surrendered in the merger. A&#160;&#8220;significant holder&#8221; is a holder of IFH stock that, immediately before the merger, owned at least 1% of the outstanding stock of IFH (by either voting power or value) or securities of IFH with a basis for federal income tax purposes of at least $1&#160;million.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">The discussion of the material U.S. federal tax consequences of the merger provided herein is for general information purposes only, is not intended to be a complete discussion of all tax consequence of the merger, and is not intended to be, and may not be construed as, tax advice. You are urged to consult your own tax advisors as to the applicability and effect of the rules discussed herein and the particular tax consequences to you of the merger under U.S. federal, state, local and non-U.S. tax laws.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">135<br></div></div></div>
<!--End Page 145-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 146-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_119-description_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tDOMC1"><!--Anchor--></a>DESCRIPTION OF MVB CAPITAL STOCK IN GENERAL AND MVB COMMON STOCK</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">As a result of the merger, holders of IFH common stock who receive shares of MVB common stock in the merger will become holders of MVB common stock. Your rights as MVB shareholders will be governed by West Virginia law, the MVB articles of incorporation and the MVB bylaws. The following description of the material terms of MVB&#8217;s capital stock, including the common stock to be issued in the merger, reflects the anticipated state of affairs upon consummation of the merger. We urge you to read the applicable provisions of West Virginia Law, the MVB articles of incorporation and the MVB bylaws and federal law governing bank holding companies carefully and in their entirety.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tGENERAL"><!--Anchor--></a>General </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of the date of this joint proxy statement/prospectus, MVB has 20,000,000 shares of authorized common stock, $1.00 par value; 20,000,000 shares of authorized Class&#160;A common stock, $1.00 par value and 20,000 shares of preferred stock, $1,000.00 par value. If the MVB articles amendment proposal is approved, effective upon the filing of the articles of amendment to the MVB articles of incorporation, MVB will have 40,000,000 shares of authorized MVB common stock. Within the limits of applicable law and the listing rules of NASDAQ, these shares are available to be issued, without prior shareholder approval, in classes, and in the case of MVB preferred stock, with relative rights, privileges and preferences determined for each class by the board of directors of MVB. As of the record date for the MVB special meeting, there were [&#8195;&#8195;] shares of MVB common stock and no shares of MVB Class&#160;A common stock or preferred stock issued and outstanding and [&#8195;&#8195;] shares of MVB common stock reserved for issuance under various stock based equity plans. All outstanding shares of MVB capital stock are fully paid and non-assessable.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tCOMMONSTOCK"><!--Anchor--></a>Common Stock </div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 7pt; margin-left: 0pt; text-align: left;">Voting Rights. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">All voting rights with respect to MVB are vested in the holders of MVB&#8217;s common stock. In the election of directors, the shareholders of MVB have the right to vote the number of shares owned by them for as many persons as there are directors to be elected, or to cumulate such shares and give a candidate as many votes as the number of directors to be elected multiplied by the number of shares they own, or to distribute them on the same principle among as many candidates as they may decide. For all other purposes, each share is entitled to one vote.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20pt; margin-left: 0pt; text-align: left;">Dividends.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB shareholders are entitled to receive dividends when and as declared by the board of directors, subject to various regulatory restrictions and the preferences that apply to any shares of preferred stock outstanding at the time. Dividends by MVB are dependent on the ability of MVB Bank to pay dividends to MVB. Dividends of MVB Bank are subject to the restrictions contained in W. Va. Code &#167; 31A-4-25. That statute provides that not less than one-tenth part of the net profits of the preceding half-year (in the case of quarterly or semi-annual dividends) or the preceding two consecutive half-year periods (in the case of annual dividends) must be carried to a Bank&#8217;s surplus fund until the surplus fund equals the amount of its capital stock. MVB Bank has met this provision of the statute. The prior approval of the West Virginia Commissioner of Banking is required if the total of all dividends declared by a state bank in any calendar year will exceed the bank&#8217;s net profits for that year combined with its retained net profits for the preceding two years. The statute defines &#8220;net profits&#8221; as the remainder of all earnings from current operations plus actual recoveries on loans and investments and other assets after deducting all current operating expenses, actual losses and all federal and state taxes.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB&#8217;s future cash dividends will depend on its consolidated earnings, general economic conditions, financial condition of its subsidiaries and other factors generally affecting dividend policy.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20pt; margin-left: 0pt; text-align: left;">Liquidation. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Upon any liquidation, dissolution or winding up of its affairs, the holders of MVB common stock are entitled to receive pro rata all of the assets of MVB for distribution to shareholders. There are no redemption or sinking fund provisions applicable to the common stock.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">136<br></div></div></div>
<!--End Page 146-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 147-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_119-description_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Preemptive Rights. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The holders of common stock of MVB have no preemptive rights to subscribe to any additional securities which MVB may issue. If MVB should decide to issue any of its common shares in a public or private stock offering, the effect could be to dilute the percentage ownership of those shareholders before such stock offering. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 6pt; margin-left: 0pt; text-align: left;">Listing<font style="font-style: normal;">. MVB common stock is listed on NASDAQ under the symbol &#8220;MVBF.&#8221; The transfer agent for MVB </font><font style="font-style: normal;">common stock is Computershare. </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;"><a name="tPRESTO"><!--Anchor--></a>Preferred Stock</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB may issue up to 20,000 shares of preferred stock, $1,000.00 par value per share, from time to time in one or more series. Our board of directors, without further approval of our shareholders, has the authority to fix the dividend rights and terms, conversion rights, voting rights, redemption rights and terms, liquidation preferences, sinking funds and any other rights, preferences, privileges and restrictions applicable to each series of preferred stock. The issuance of preferred stock, while providing flexibility in connection with possible acquisitions and other corporate purposes, could, among other things, adversely affect the voting power of the holders of our common stock. Currently there are no shares of preferred stock outstanding</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The authorization of preferred stock will not have an immediate effect on the holders of MVB common stock. The actual effect of the issuance of any shares of preferred stock upon the rights of the holders of common stock cannot be stated until the MVB board of directors determines the specific rights of any shares of preferred stock. However, the effects might include, among other things, restricting dividends on common stock, diluting the voting power of common stock, reducing the market price of common stock or impairing the liquidation rights of the common stock without further action by the shareholders. Holders of the common stock will not have preemptive rights with respect to the preferred stock. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15.5pt; margin-left: 0pt; text-align: left;"><a name="tANTITP"><!--Anchor--></a>Anti-Takeover Provisions </div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 7pt; margin-left: 0pt; text-align: left;">General.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Certain provisions of MVB&#8217;s Articles of Incorporation and Bylaws and the West Virginia Business Corporation Act may have the effect of impeding the acquisition of control of MVB by means of a tender offer, a proxy fight, open-market purchases or otherwise in a transaction not approved by the board of directors. These provisions may have the effect of discouraging a future takeover attempt which is not approved by the board of directors but which individual shareholders may deem to be in their best interests or in which our shareholders may receive a substantial premium for their shares over then-current market prices. As a result, shareholders who might desire to participate in such a transaction may not have an opportunity to do so. Such provisions will also render the removal of our current board of directors or management more difficult.</div><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 15.5pt; margin-left: 0pt; text-align: left;">Articles of Incorporation; Bylaws.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">These provisions of our Articles of Incorporation and our Bylaws include the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic; font-weight: bold;">Staggered Directors&#8217; Terms.</font> The directors of MVB are elected for staggered terms of three years with approximately one-third of the directors being elected in any one year. This provision has the effect of making it more difficult and time consuming for a shareholder who has acquired or controls a majority of MVB outstanding common stock to gain immediate control of the board of directors or otherwise disrupt MVB&#8217;s management.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic; font-weight: bold;">75% Vote Required to Remove Directors.</font> MVB&#8217;s articles of incorporation provide that holders of at least 75% of the voting power of shares entitled to vote generally in the election of directors may remove a director, with or without cause. This provision in MVB&#8217;s articles and bylaws makes it more difficult for a third party to fill vacancies created by removal with its own nominees.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic; font-weight: bold;">MVB&#8217;s Articles of Incorporation.</font> MVB&#8217;s articles contain supermajority provisions. The supermajority provisions in MVB&#8217;s articles of incorporation and bylaws provide that the affirmative vote of the holders of at least 75% of the outstanding shares of the voting stock of MVB would be required to amend or repeal articles of incorporation provisions dealing with the classification of the board of directors, director nominations, appointment to newly created directorships, vacancies of directors, removal of directors and certain business combinations by unsolicited and unapproved third parties.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">137<br></div></div></div>
<!--End Page 147-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 148-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_119-description_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic; font-weight: bold;">Amendment of Bylaws.</font> MVB&#8217;s articles also require a 75% affirmative vote of the outstanding shares of the voting stock to amend the bylaws to change the number of directors, change the procedure for filling director vacancies, change the director removal process or to change the Bylaw amendment requirements.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;"><font style="font-style: italic; font-weight: bold;">Fair Price Provision.</font> MVB&#8217;s articles of incorporation contain what is known as a &#8220;fair price provision.&#8221; The fair price provision requires the approval of at least 75% of MVB&#8217;s shares entitled to vote to approve transactions with an interested shareholder except in cases where either; (1) price criteria and procedural requirements are satisfied, or (2) a majority of MVB&#8217;s board of directors recommends the transaction to the shareholders. If the minimum price criteria and procedural requirements are met or the requisite approval of MVB&#8217;s board of directors are given, the normal requirements of West Virginia law would apply.</div></td></tr></table><div class="h4" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Banking Laws.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The ability of a third party to acquire MVB is also subject to applicable banking laws and regulations. The Bank Holding Company Act of 1956 (the &#8220;BHCA&#8221;) and the regulations thereunder require any &#8220;bank holding company&#8221; (as defined in the BHCA) to obtain the approval of the Federal Reserve prior to acquiring more than 5% of the outstanding shares of a class of our voting stock. Any person other than a bank holding company is required to obtain prior approval of the Federal Reserve to acquire 10% or more of the outstanding shares of a class of our voting stock under the Change in Bank Control Act of 1978. Any holder of 25% or more (or between 10% and 25%, if the holder is unable to rebut the presumption that it controls the Company) of the outstanding shares of a class of our voting stock, other than an individual, is subject to supervision and regulation as a bank holding company under the BHCA. In calculating a holder&#8217;s aggregate ownership of our common stock for purposes of these banking regulations, the Federal Reserve likely would include at least the minimum number of shares (and could instead include the maximum number of shares) of our common stock that a holder is entitled to receive pursuant to securities convertible into or settled in MVB&#8217;s common stock.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">138<br></div></div></div>
<!--End Page 148-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 149-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCTRHMVB"><!--Anchor--></a>COMPARISON OF THE RIGHTS OF HOLDERS OF MVB COMMON STOCK <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">AND HOLDERS OF IFH COMMON STOCK</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If the merger is completed, IFH shareholders (other than any shareholders that assert, and properly perfect, appraisal rights) will receive shares of MVB common stock in the merger, and they will cease to be holders of IFH common stock. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH is organized under the laws of the State of North Carolina. MVB is organized under the laws of the State of West Virginia. The following is a summary of certain material differences between (i)&#160;the current rights of IFH&#8217;s shareholders under the IFH articles of incorporation and the IFH bylaws and North Carolina law and (ii)&#160;the current rights of MVB shareholders under the MVB articles of incorporation and the MVB bylaws and West Virginia law.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following summary is not a complete statement of the rights of shareholders or shareholders of the two (2) companies or a complete description of the specific provisions referred to below. The summary is qualified in its entirety by reference to IFH&#8217;s and MVB&#8217;s governing documents, which we urge you to read carefully and in their entirety. Copies of MVB&#8217;s governing documents have been filed with the SEC. See &#8220;Where You Can Find More Information&#8221; beginning on page <a href="#tWYCMI">152</a>.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Authorized Capital Stock:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB is authorized to issue 20,000,000 shares of common stock, $1.00 par value; 20,000,000&#160;shares of authorized Class&#160;A common stock, $1.00 par value and 20,000 shares of preferred stock, $1,000.00 par value. If the MVB articles amendment proposal is approved, effective upon the filing of the articles of amendment to the MVB articles of incorporation, the MVB articles of incorporation will authorize MVB to issue 40,000,000 shares of MVB common stock. As of the record date for the MVB special meeting, there were [&#8195;&#8195;&#8195;&#8195;] shares of MVB common stock and no shares of MVB Class&#160;A common stock or preferred stock issued and outstanding and [&#8195;&#8195;&#8195;&#8195;] shares of MVB common stock reserved for issuance under various stock based equity plans. All outstanding shares of MVB capital stock are fully paid and non-assessable.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">IFH is authorized to issue 8,000,000&#160;shares of voting common stock, $1.00 par value; 1,000,000 shares of non-voting common stock, $1.00 par value and 1,000,000 shares of preferred stock, $100.00 par value. As of the record date for the IFH special meeting, there were [&#8195;&#8195;&#8195;&#8195;] shares of IFH voting common stock issued and outstanding; 21,740 shares of IFH non-voting common stock issued and outstanding; no shares of preferred stock issued and outstanding. All outstanding shares of IFH capital stock are fully paid and non-assessable.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Voting:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Common Stock<font style="font-style: normal;">. Pursuant to MVB&#8217;s articles of </font><font style="font-style: normal;">incorporation, holders of MVB common stock </font><font style="font-style: normal;">are generally entitled to one vote for each share </font><font style="font-style: normal;">of common stock.</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="font-style: normal;">&#8195;</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Preferred Stock<font style="font-style: normal;">. MVB&#8217;s board of directors is </font><font style="font-style: normal;">authorized to determine the voting rights of </font><font style="font-style: normal;">preferred stock.</font></div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Voting Common Stock<font style="font-style: normal;">. Pursuant to IFH&#8217;s </font><font style="font-style: normal;">articles of incorporation, holders of IFH </font><font style="font-style: normal;">voting common stock are generally </font><font style="font-style: normal;">entitled to one vote for each share of </font><font style="font-style: normal;">voting common stock.</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="font-style: normal;">&#8195;</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Non-Voting Common Stock<font style="font-style: normal;">. Pursuant to </font><font style="font-style: normal;">IFH&#8217;s articles of incorporation, holders of </font><font style="font-style: normal;">IFH non-voting common stock have no </font><font style="font-style: normal;">voting power and are generally not </font><font style="font-style: normal;">entitled to vote on any matter, except </font><font style="font-style: normal;">(a)&#160;as otherwise required by law and (b) </font><font style="font-style: normal;">that a vote of at least two-thirds of the </font><font style="font-style: normal;">outstanding shares of IFH non-voting </font><font style="font-style: normal;">common stock is required (i)&#160;to amend, </font><font style="font-style: normal;">alter or repeal any provision of IFH&#8217;s </font><font style="font-style: normal;">articles of incorporation that significantly </font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">139<br></div></div></div>
<!--End Page 149-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 150-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">and adversely affects the rights, preferences or terms of the IFH non-voting common stock in a manner that is different from the effect of such amendment, alteration or repeal on the IFH voting common stock and (ii)&#160;to liquidate, dissolve or wind-up the business and affairs of the corporation.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;"><font style="font-style: italic;">Preferred Stock</font>. IFH&#8217;s board of directors is authorized to determine the voting rights of preferred stock..</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Size of Board of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The MVB bylaws currently provide for a Board of Directors composed of five (5) to twenty-five (25) members. Currently the Board consists of eight (8) directors.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws currently provide for a Board of Directors composed of five (5) to twelve (12) members. Currently the IFH Board of Directors consists of eight (8) directors.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Classes of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB has three classes of directors consisting of three (3) Board members whose term expires in 2025, two (2) Board members whose term expires in 2024 and three (3) Board members whose term expires in 2023.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">IFH has three classes of directors consisting of two Board members whose terms expire in 2025, three Board members whose terms expire in 2024 and three Board members whose terms expire in 2023.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Nomination of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The MVB bylaws provide that nominations for directors may be made by: (1) the board; or (2) by any shareholder of any outstanding class of capital stock of MVB entitled to vote for the election of directors. Nominations made by shareholders must be made in writing, delivered or mailed to the President of MVB not less than 90 days prior to the anniversary of the previous year&#8217;s annual meeting of shareholders; provided, however, that if the date of the annual meeting is more than 30 days before or more than 70 days after the anniversary of the previous year&#8217;s annual meeting, the nominations must be mailed or delivered to the President not later than the close of business on the later of the 90<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day prior to such annual meeting or the 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day following the day on which public announcement of the date of such meeting is first made. The nominations must include the following: (1) the name and address of proposed nominee(s); (2) the principal occupation of nominee(s); (3) the total shares to be voted for each nominee; (4) the name and address of nominating shareholder; and (5) the number of shares owned by nominating shareholder.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws provide that nominations for director may be made by: (1) the Nominating Committee of the Board of Directors; or (2) by any IFH shareholder.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH Nominating Committee shall deliver written nominations to the Secretary at least 45 days prior to the date of the annual meeting.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Shareholders must deliver director nominations, in writing, to the Secretary at least 75 days but no more than 90 days prior to the date of the annual meeting. Such nominations must include the following: (1) name, age, business address and residence address of the proposed nominee(s); (2) the principal occupation or employment of the proposed nominee(s); (3) the number of shares of IFH beneficially owned by the proposed nominee(s); (4) the balance, as of the most recent quarter-end, of all deposit accounts and loan accounts the proposed nominee(s) maintains with West Town Bank; (5) a fully completed and executed financial and biographical report for the proposed nominee(s); and (6) such </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">140<br></div></div></div>
<!--End Page 150-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 151-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">other information as may reasonably be requested by the IFH Nominating Committee.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Election of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Directors are elected by a plurality of the votes cast.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Directors are elected by a plurality of the votes cast.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Removal of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law any member of the board may be removed, with or without cause, by the affirmative vote of a majority of all the votes entitled to be cast for the election of directors; provided, however, that a director may not be removed if the number of votes sufficient to elect the director under cumulative voting is voted against the director&#8217;s removal.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">According to MVB&#8217;s articles of incorporation, any director may be removed from office, with or without cause, and only by the affirmative vote of the holders of 75% of the combined voting power of the then outstanding shares of stock entitled to vote generally in the election of directors, voting together as a single class.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Pursuant to IFH&#8217;s articles of incorporation, any director or the entire Board of Directors may be removed, at any time, by the affirmative vote of the holders of at least 66-2/3% of the outstanding shares of IFH capital stock entitled to vote generally in the election of directors, voting as one class for this purpose, cast at a meeting of the shareholder called for that purpose. If a series of IFH preferred stock is entitled to vote as a separate class to elect one or more directors of IFH, then directors so elected may only be removed by the holders of such preferred stock.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Filing Vacancies on the Board of Directors</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB&#8217;s bylaws provide that each vacancy, resulting from an increase in the number of directors, death, resignation, disqualification, removal or other cause, existing on the board of directors shall be filled by the affirmative vote of a majority of the remaining directors, even though less than a quorum of the board of directors. Any directorship to be filled by the board of directors by reason of a vacancy resulting from the death, resignation, disqualification, removal or other cause shall hold office for the remainder of the full term of the class of directors in which the vacancy occurred and until such director&#8217;s successor shall have been elected and qualified, and any director elected by reason of an increase in the number of directors shall hold office only until the next election of directors by the shareholders and until such director&#8217;s successor shall have been elected and qualified.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws provide that vacancies occurring due to an increase in the number of directorships may be filled by the affirmative vote of two-thirds of the directors then in office. Under North Carolina Law, shareholders would also be entitled to fill such vacancy if the IFH directors did not do so.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Quorum</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under the MVB&#8217;s bylaws, a majority of the outstanding shares of MVB entitled to vote, represented in person or by proxy constitutes a quorum.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under the IFH bylaws, a majority of the outstanding shares of IFH entitled to vote, represented in person or by proxy constitutes a quorum.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Notice of Shareholder Meetings</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The MVB bylaws require that the notice of annual and special meetings be given, by or at the direction of the Chairman of the Board, President, Secretary or other officer or other</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws require that written notice, stating the place, day, and hour of an annual meeting or special meeting and the purpose(s) for which such meeting is </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">141<br></div></div></div>
<!--End Page 151-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 152-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">persons calling the meeting, personally or by mailing to each shareholder a written notice specifying the place, day and hour of such meeting and the purpose or purposes for which the meeting is called, not less than 10 nor more than 60 days before the date of such meeting. If mailed, the notice must be addressed to the shareholders as they respectively appear upon the stock transfer books of MVB.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">called, must be provided to each shareholder of record entitled to vote at such meeting not fewer than ten (10) nor more than sixty (60) days before the date of such meeting. Such notice may be delivered personally or by mail. If mailed, such notice should be mailed to the address of the shareholder as it appears on the stock transfer books or records of IFH as of the record date, with postage prepaid. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">When a shareholders&#8217; meeting is adjourned for thirty (30) days or more, notice of the adjourned meeting must be given as in the case of an original meeting. For any shareholders&#8217; meeting adjourned for less than thirty (30) days, an announcement at the meeting at which such adjournment is taken serves as sufficient notice.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Call of Special Meetings of Shareholders</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB&#8217;s bylaws provide that special meetings of the shareholders may be called by the Chairman of the Board, the directors, the President, the Secretary or any number of shareholders owning in the aggregate at least 10% of the number of shares outstanding entitled to vote at the meeting.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH articles of incorporation provide that special meetings of the shareholders may be called by the Board of Directors or by a duly designated committee of the Board of Directors, provided that the powers and authorities of such committee include the power and authority to call such special meetings.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under North Carolina Law, a special meeting of the shareholders may be called by the written demand of such a special meeting by the holders of at least 10% of all of the votes entitled to be cast on any issue proposed to be considered at the proposed special meeting.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Advance Notice of Shareholder Proposals</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Shareholders may submit proposals for business to be considered at MVB&#8217;s annual meeting of shareholders, and include those proposals in MVB&#8217;s proxy statement and form of proxy delivered to shareholders, in accordance with the requirements of Rule 14a-8 of Regulation 14A promulgated under the Securities Exchange Act of 1934.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">With respect to shareholder proposals not wishing to be included in MVB&#8217;s proxy statement and form of proxy, but rather to be brought as business at the annual meeting of shareholders, MVB&#8217;s bylaws prescribe certain advance notice procedures. MVB&#8217;s bylaws state</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Neither the IFH bylaws nor the IFH articles of incorporation contain provisions providing for advance notice of shareholder proposals besides those rights described in the &#8220;Nomination of Directors&#8221; section above.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">142<br></div></div></div>
<!--End Page 152-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 153-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">that the proposal must satisfy the following requirements: (1) the shareholder must have given notice of the proposal in writing, delivered to the Secretary of MVB, either in person or mailed by certified mail at the principal offices of MVB, not less than 90 days nor more than 120 days prior to the first anniversary of the preceding year&#8217;s annual meeting (provided, however, in the event that the date of the annual meeting is more than 30&#160;days before or more than 70 days after the anniversary date, the notice must be delivered not earlier than the close of business on the 120<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day prior to such annual meeting and not later than the close of business on the later of the 90<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day prior to such annual meeting or the tenth day following the day on which public announcement of the date of such meeting is first made; (2) the notice must comply with the requirements of Article II of the MVB bylaws (as detailed below); and (3) the business must be a proper matter for shareholder action under West Virginia law.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A shareholder&#8217;s notice of business proposed to be conducted at an annual meeting of shareholders that is made under Article II of the MVB bylaws shall be signed by the shareholder of record who intends to make the proposal (or such shareholder&#8217;s duly authorized proxy or other representative), shall bear the date of signature of such shareholder (or proxy or other representative) and shall set forth: (1) a brief description of the business desired to be brought before the annual meeting and the reasons for conducting such business at the annual meeting (including the text of any resolutions proposed for consideration and, in the event that such business includes a proposal to amend the MVB bylaws, the text of the proposed amendment); (2) the name and address, as they appear on MVB&#8217;s books, of such shareholder proposing such business; (3) the class and number of shares of MVB which are beneficially owned by the shareholder and any other ownership interest in the shares of MVB, whether economic or otherwise; (4) any material interest of the shareholder in such business; (5) a representation that the person sending the notice is a shareholder of record on the record date and shall remain such through the meeting date; and (6) a representation that such shareholder intends to appear in person or by proxy at such</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">143<br></div></div></div>
<!--End Page 153-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 154-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">meeting to move the consideration of the business set forth in the notice.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Anti-Takeover Provisions</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Certain provisions of MVB&#8217;s articles of incorporation and bylaws and the West Virginia Business Corporation Act may have the effect of impeding the acquisition of control of MVB by means of a tender offer, a proxy fight, open-market purchases or otherwise in a transaction not approved by the board of directors. These provisions may have the effect of discouraging a future takeover attempt which is not approved by the board of directors but which individual shareholders may deem to be in their best interests or in which our shareholders may receive a substantial premium for their shares over then-current market prices. As a result, shareholders who might desire to participate in such a transaction may not have an opportunity to do so. For example, MVB has a staggered, or classified, board, which means it would take more than one annual shareholders&#8217; meeting for a majority of the MVB board of directors to be replaced.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">IFH&#8217;s articles of incorporation and the NCBCA contain certain anti-takeover provisions that may discourage or may make more difficult or expensive a tender offer, change in control or takeover attempt that is opposed by IFH&#8217;s board of directors. These provisions could discourage potential acquisition proposals and could delay or prevent a change in control, even though a majority of IFH&#8217;s shareholders may consider such proposal desirable. For example, IFH has a staggered, or classified, board, which means it would take more than one annual shareholders&#8217; meeting for a majority of the IFH board of directors to be replaced.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 74.36%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Indemnification of Directors and Officers and Insurance</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Section 31D-8-851 of the West Virginia Business Corporation Act provides in part that each West Virginia corporation has the power to indemnify any director against liability incurred in a proceeding against him or her by reason of being or having been such director (other than in an action by or in the right of the corporation) if he or she acted in good faith and in a manner he or she reasonably believed to be in, or not opposed to, the best interests of the corporation, or, in the case of any criminal proceeding, he or she had no reasonable cause to believe his conduct was unlawful. With respect to an action by or in the right of the corporation, except for reasonable expenses incurred in the proceeding as to which he or she meets the foregoing standard of conduct, a director may not be indemnified. A director also may not be indemnified unless ordered by a court if he or she is adjudged liable on the basis that he or she received a financial benefit to which he or she was not entitled.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law, a corporation must indemnify a director who was wholly successful on the merits in the proceeding against reasonable expenses of the proceeding. A corporation may advance expenses incurred by a director in such a proceeding if he or she affirms in writing that he or she believes in good faith that he or she has met</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">North Carolina law provides that each North Carolina corporation has the power to indemnify any director against liability incurred as a result of any threatened, pending or completed litigation or criminal proceedings provided the director (i)&#160;conducted himself in good faith, (ii)&#160;reasonably believed that, in the context of his official capacity with the corporation, his conduct was in the best interests of the corporation; and, in all other cases, that his conduct was at least not opposed to the best interests of the corporation; and (iii)&#160;in the case of any criminal proceeding, had no reasonable cause to believe that his conduct was illegal. A corporation may not indemnify a director (i)&#160;in connection with a proceeding by or in the right of the corporation in which the director was adjudged liable to the corporation or (ii)&#160;in connection with any other proceedings charging improper personal benefit to him, whether or not involving action in his official capacity, in which he was adjudged liable on the basis that personal benefit was improperly received by him.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A corporation must indemnify a director who was wholly successful on the merits in </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">144<br></div></div></div>
<!--End Page 154-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 155-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">the standard of conduct and agrees to return the advanced expenses if it is determined he or she is not entitled to indemnification.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Section 31D-8-856 of the West Virginia Business Corporation Act provides that a West Virginia corporation may indemnify and advance expenses to an officer of the corporation who is a party to a proceeding because he or she is an officer of the corporation to the same extent as a director and, if he or she is an officer but not a director, to a further extent as may be provided by the articles of incorporation, the bylaws, a resolution of the board of directors or contract, except for (i)&#160;liability in connection with a proceeding by or in the right of the corporation other than for reasonable expenses incurred in connection with the proceeding or (ii)&#160;liability arising out of conduct that constitutes (a) receipt by him or her of a financial benefit to which he or she is not entitled, (b) an intentional infliction of harm on the corporation or the shareholders or (c) an intentional violation of criminal law. A corporation must indemnify an officer who is not a director and who was wholly successful on the merits in the proceeding against reasonable expenses of the proceeding. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB&#8217;s articles of incorporation provide that MVB shall indemnify, to the fullest extent permitted by law, any current or former legal representative, officer or director of the Company or a person serving as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise at the MVB&#8217;s request against all expenses, liability and loss (including, without limitation, attorneys&#8217; fees and disbursements, judgments, fines, ERISA or other similar or dissimilar excise taxes or penalties and amounts paid or to be paid in settlement) incurred by him or her in connection with a claim or proceeding against him or her by reason of his being or having been in such role. Expenses, including, without limitation, attorneys&#8217; fees and disbursements, incurred in defending or participating in such proceeding shall be paid in advance by the MVB; provided, however, that such payment shall only be made upon delivery to the Company of an undertaking that such person agrees to repay all advanced amounts if it is ultimately determined that such person is not entitled to indemnification under MVB&#8217;s articles of incorporation.<br></div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">the defense of any proceedings against reasonable expenses incurred by him in connection with the proceeding. A corporation may advance expenses incurred by a director in defending a proceeding upon receipt of an undertaking by the director to repay such amount unless it shall ultimately be determined that he is entitled to be indemnified by the corporation against such expenses.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A North Carolina corporation may purchase indemnity insurance for the benefit of its officers, directors, employees, and agents regardless of whether the corporation would have the power to indemnify against the liability covered by the policy. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">North Carolina law permits a North Carolina corporation to provide rights to indemnification beyond the scope of the permissible indemnification described above to the extent that such additional indemnification is authorized in the corporation&#8217;s articles of incorporation or bylaws, or by contract or resolution adopted by the corporation&#8217;s board of directors. Thus, if so authorized, rights to indemnification may be provided pursuant to agreements or bylaw provisions which make mandatory the permissive indemnification provided by North Carolina law. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">IFH&#8217;s articles of incorporation provide for the indemnification of current and former directors, officers, employees, or person who serve or served at IFH&#8217;s request as a director, officer, employee, partner or trustee of another corporation, partnership, joint venture, trust or other enterprise against all expenses actually and reasonably incurred (including attorneys&#8217; fees but excluding amounts paid in settlement in connection with derivative suits) in the defense or settlement of an action or suit, whether derivative or otherwise, provided that the person subject to such action or suit is successful on the merits or otherwise or meets the aforementioned standard provided by North Carolina law and described in the first paragraph of this subsection.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">145<br></div></div></div>
<!--End Page 155-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 156-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A West Virginia corporation may purchase indemnity insurance for the benefit of its officers and director regardless of whether the corporation would have the power to indemnify against, or advance expenses in connection with, the liability covered by the policy.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Appraisal or Dissenters&#8217; Rights</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law, shareholders are entitled to appraisal rights with respect to corporate actions involving certain mergers, share exchanges, asset dispositions, and certain article amendments that reduce the shares of a shareholder to a fraction of a share where the corporation has an obligation to repurchase the share fraction.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">No appraisal rights exist in the case of a merger, however, if (i)&#160;the stock of the acquiring corporation is listed on the New York Stock Exchange or the American Stock Exchange or designated as a national market system security by the National Association of Securities Dealers, Inc., or (ii)&#160;the stock has at least 2,000 shareholders and the outstanding shares of a class or series has a market value of at least $20&#160;million, exclusive of the value of the shares held by subsidiaries, senior executives, directors, and beneficial shareholders owning more than 10% of the shares. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Appraisal rights will not be available to the shareholders of MVB in connection with the proposed merger of IFH into MVB because the stock of MVB is designated as a national market system security on an interdealer quotation system by the National Association of Securities Dealers, Inc.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under North Carolina law, shareholders are generally entitled to object and receive the fair value of their stock in the event of certain corporate actions, as set forth in Section 55-13-02 of the NCBCA. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Appraisal rights will be available to the shareholders of IFH in connection with the proposed merger of IFH into MVB. See the information provided in the section entitled &#8220;The Merger&#8212;Appraisal or Dissenters&#8217; Rights in the Merger&#8221; beginning on page&#160;<a href="#tADRMER">111</a> for more information about such appraisal rights.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A full copy of Article 13 of the NCBCA that governs appraisal rights under North Carolina law is included as <font style="font-weight: bold;">Annex&#160;</font><font style="font-weight: bold;">E</font> to this joint proxy statement/prospectus.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dividends</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The MVB bylaws provide that the board of directors may, from time to time, declare and MVB may pay dividends on its outstanding shares in the manner and upon the terms and conditions provided by law and the MVB articles of incorporation. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">A West Virginia corporation generally may pay dividends in cash, property or its own shares except when the corporation is unable to pay its debts as they become due in the usual course of business or the corporation&#8217;s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if the corporation were to be dissolved at the time of the dividend, to</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws provide that the Board of Directors may declare dividends on IFH&#8217;s outstanding capital stock, and such dividends may be paid in cash, property or in IFH&#8217;s own capital stock.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under North Carolina law, a corporation may not pay dividends if, after giving effect to such cash dividend or other distribution, a corporation would not be able to pay its debts as they become due in the usual course of business or the corporation&#8217;s total assets would be less than the sum of its liabilities plus the amount that would be needed to satisfy certain liquidation rights.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">146<br></div></div></div>
<!--End Page 156-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 157-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">satisfy any shareholders who have rights superior to those receiving the dividend.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Amendments to Charter/Articles and Bylaws</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law, unless the articles of incorporation, or the board of directors requires a greater vote or a greater number of shares to be present, approval of an amendment to the articles of incorporation requires the approval of the shareholders at a meeting at which a quorum consisting of at least a majority of the votes entitled to be cast on the amendment exists. Except for any action to alter, amend or adopt any provision inconsistent with Article X (board of directors and bylaw amendments), which requires the affirmative vote of the holders of at least 75% of the voting power of all the shares of MVB entitled to vote generally in the election of directors, voting together as a single class, the MVB articles of incorporation do not specify a different number.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">West Virginia law provides that the bylaws may be amended or repealed by the board of directors unless: (1) the articles of incorporation or Section 31D-10-1021 of the West Virginia Business Corporation Act, which is related to increases in quorum or voting requirements for directors, reserves the power exclusively to the shareholders; or (2) the shareholders in amending, repealing or adopting a bylaw expressly provide that the board of directors may not amend, repeal or reinstate that bylaw. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">MVB&#8217;s articles of incorporation provide that Article III, Sections 2 (number, election and terms of directors), 9 (vacancies on the board) and 13 (removal of directors) and Article XII (amendments to the bylaws) of the MVB bylaws shall not be altered, amended or repealed and no provision inconsistent therewith shall be adopted without the affirmative vote of the holders of at least 75% of the voting power of all the shares of MVB entitled to vote generally in the election of directors, voting together as a single class. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Except for the restrictions in the MVB articles above, the MVB bylaws allow the board of directors, by majority vote of those present at any meeting at which a quorum is present, to either amend the bylaws or enact such other bylaws as in their judgement may be advisable for the regulation of the conduct of the affairs of MVB.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under North Carolina law, the IFH articles of incorporation generally may be amended if the proposed amendment is adopted by the IFH board of directors and such amendment is approved by a majority of the votes entitled to be cast on the amendment by any voting group with respect to which the amendment would create appraisal rights. Certain amendments to the articles of incorporation, such as a change in the corporate name, do not require shareholder approval. Additionally, as discussed above, certain amendments affecting the IFH non-voting common stock must be approved by a two-thirds vote of the outstanding shares of IFH&#8217;s non-voting common stock.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195; <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws provide that such bylaws may be repealed, altered, amended or rescinded by a vote of two-thirds of the outstanding shares of capital stock of IFH entitled to vote generally in the election of directors, cast at a meeting of the shareholders called for that purpose (and provided that notice of such proposed repeal, alteration, amendment or rescission is included in the notice of such meeting). <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">IFH&#8217;s bylaws also provide that the Board of Directors may repeal, alter, amend or rescind the bylaws by a vote of two-thirds of the Board of Directors at a legal meeting. North Carolina law provides that a corporation&#8217;s shareholders may amend or repeal the corporation bylaws even though the bylaws may also be amended or repealed by its board of directors.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">147<br></div></div></div>
<!--End Page 157-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 158-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Provisions Affecting Business Combinations</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law, a consolidation, merger, share exchange or transfer must be approved by the shareholders of the corporation at a meeting at which a quorum exists consisting of at least a majority of the votes entitled to be cast on the matter. Except as described below, the MVB articles of incorporation and the MVB bylaws do not provide for a different number. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under West Virginia law, no contract or transaction between a corporation and one or more of its directors or officers, or between a corporation and any other corporation in which one or more of its directors or officers are directors or officers, or have a financial interest, is void or voidable solely for this reason or solely because the director or officer participates is present or participates in a board meeting which authorizes the contract or transaction or solely because any director&#8217;s or officer&#8217;s votes are counted for the purpose if (i)&#160;the material facts as to the director&#8217;s or officer&#8217;s relationship or interest and as to the contract or transaction are disclosed to either (a) the board of directors or (b) the members entitled to vote on such contract or transaction and the contract is specifically approved in good faith by vote of the board or such members entitled to vote or (ii)&#160;the contract or transaction is fair to the corporation at the time it is authorized by the board of directors or the members. West Virginia law provides that interested directors may be counted in determining the presence of a quorum at the meeting which authorizes the contract or transaction. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8195;<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Unless approved by a majority of the disinterested directors of MVB or certain price and procedural requirements are fulfilled (as detailed in the MVB articles), the MVB articles require affirmative vote of the holders of at least 75% of the voting power of the then outstanding shares of capital stock of MVB entitled to vote, voting together as a single class for any of the following transactions:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Under North Carolina law, a merger or share exchange must be approved by each voting group entitled to vote separately on the merger of share exchange by a majority of all the votes entitled to be cast on the merger or share exchange by that voting group. The IFH articles of incorporation and the IFH bylaws do not provide for a different number. Notwithstanding that the IFH non-voting common stock is generally non-voting under the IFH articles of incorporation, North Carolina law provides the IFH non-voting common stock with voting rights on the merger and to vote as a separate voting group. The IFH articles of incorporation also provide that, in the event of a merger, consolidation or share exchange in which shares of IFH voting common stock are exchanged or changed into other stock or securities, cash, and/or any other property, each share of IFH non-voting common stock will at the same time be similarly exchanged or changed in an amount per whole share equal to the aggregate amount of stock, securities, and/or any other property (payable in kind), as the case may be, that each share of IFH voting common stock would be entitled to receive as a result of such transaction.</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 74.36%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: justify;">&#8226;&#8195;any merger or consolidation of MVB or any subsidiary with (a) any interested shareholder or (b) any other corporation (whether or not itself an interested shareholder) which is, or after such merger or consolidation would be, an affiliate of any interested shareholder; </div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: justify;">&#8226;&#8195;any sale, lease, exchange, mortgage, pledge, transfer or other disposition (in </div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">148<br></div></div></div>
<!--End Page 158-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 159-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_120-comparision_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 35.9%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">IFH</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: justify;">one transaction or a series of transactions) to or with any interested shareholder or any affiliate of any interested shareholder of any assets of MVB or any subsidiary having an aggregate fair market value of $100,000 or more; </div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 3.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: justify;">&#8226;&#8195;the issuance or transfer by MVB or any subsidiary (in one transaction or a series of transactions) of any securities of MVB or any subsidiary to any interested shareholder or any affiliate of any interested shareholder in exchange for cash, securities or other property (or a combination thereof) having an aggregate fair market value of $100,000 or more; </div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: justify;">&#8226;&#8195;the adoption of any plan or proposal for the liquidation or dissolution of MVB proposed by or on behalf of an interested shareholder or any affiliate of any interested shareholder; or</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: justify;">&#8226;&#8195;any reclassification of securities (including any reverse stock split), or recapitalization of MVB, or any merger or consolidation of MVB with any of its subsidiaries or any other transaction (whether or not with or into or otherwise involving an interested shareholder) which has the effect, directly or indirectly, of increasing the proportionate share of the outstanding shares of any class of equity or convertible securities of MVB or any subsidiary which is directly or indirectly owned by any interested shareholder or any affiliate of any interested shareholder.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td colspan="4" style="width: 41.03%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 35.9%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 17.95%; text-align: left; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Action by Written Consent of the Shareholders</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 41.03%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">West Virginia law and MVB&#8217;s bylaws provide that action required or permitted by law to be taken at a shareholders&#8217; meeting may be taken without a meeting and without prior notice, if a written consent which describes the action is signed by all of the shareholders entitled to vote on the matter and is filed with the records of the shareholder meeting.</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 35.9%; vertical-align: top; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">The IFH bylaws provide that no action required to be taken or which may be taken at any annual or special meeting of IFH shareholders may be taken without a meeting, and the power of shareholders to consent in writing, without a meeting, to the taking of any action is specifically denied.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">149<br></div></div></div>
<!--End Page 159-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 160-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_121-legal_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tLEGALMATT"><!--Anchor--></a>LEGAL MATTERS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The validity of MVB common stock to be issued in connection with the merger will be passed upon for MVB by Squire Patton Boggs (US) LLP, Cincinnati, Ohio. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Squire Patton Boggs (US) LLP, Cincinnati, Ohio, counsel for MVB, and Wyrick Robbins Yates &amp; Ponton LLP, Raleigh, North Carolina, counsel for IFH, will provide prior to the effective time opinions regarding certain federal income tax consequences of the merger for MVB and IFH, respectively.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; text-align: center;"><a name="tEXPERTS"><!--Anchor--></a>EXPERTS</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB<font style="font-weight: normal;">. The consolidated financial statements (and the related consolidated financial statement schedules) of MVB </font><font style="font-weight: normal;">as of December 31, 2021 and 2020 and for each of the years in the three</font><font style="font-weight: normal;">-</font><font style="font-weight: normal;">year period ended December 31, 2021, </font><font style="font-weight: normal;">and the effectiveness of MVB&#8217;s internal control over financial reporting as of December 31, 2021 have been </font><font style="font-weight: normal;">audited by FORVIS, LLP (formerly Dixon Hughes Goodman LLP), independent registered public accounting </font><font style="font-weight: normal;">firm, as set forth in their reports thereon, included in MVB&#8217;s Annual Report on Form 10-K for the fiscal year </font><font style="font-weight: normal;">ended December 31, 2021, and incorporated herein by reference. Such consolidated financial statements (and the </font><font style="font-weight: normal;">related consolidated financial statement schedules) have been incorporated herein by reference in reliance upon </font><font style="font-weight: normal;">such reports pertaining to such financial statements and the effectiveness of our internal control over financial </font><font style="font-weight: normal;">reporting given on the authority of such firm as experts in accounting and auditing.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH<font style="font-weight: normal;">. The consolidated balance sheets of IFH as of December&#160;31, 2021 and 2020, and the related consolidated </font><font style="font-weight: normal;">statements of income, comprehensive income, changes in shareholders&#8217; equity, and cash flows for each of the </font><font style="font-weight: normal;">two years in the period ended December&#160;31, 2021, included in this joint proxy statement/prospectus, have been </font><font style="font-weight: normal;">so included in reliance on the report of Elliott Davis, PLLC, independent auditors, given on the authority of that </font><font style="font-weight: normal;">firm as experts in auditing and accounting. </font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">150<br></div></div></div>
<!--End Page 160-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 161-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_121-legal_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tDFSSP"><!--Anchor--></a>DEADLINES FOR SUBMITTING SHAREHOLDER PROPOSALS</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; margin-left: 0pt; text-align: left;"><a name="tMVB1"><!--Anchor--></a>MVB</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB held its 2022 annual meeting of shareholders on May&#160;17, 2022. MVB will hold its 2023 annual meeting of shareholders (the &#8220;MVB 2023 annual meeting&#8221;), regardless of whether the merger has been completed. Any shareholder nominations or proposals for other business intended to be presented at MVB&#8217;s next annual meeting must be submitted to MVB as set forth below.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">SEC Rule 14a-8</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In order for a shareholder proposal for the MVB 2023 annual meeting to be eligible for inclusion in MVB&#8217;s proxy statement pursuant to SEC Rule 14a-8, MVB must have received the proposal and supporting statements at its principal executive offices no later than December&#160;8, 2022, unless the date of MVB&#8217;s 2023 annual meeting is changed by more than thirty (30) days from May&#160;17, 2023, the one (1)-year anniversary of MVB&#8217;s 2022 annual meeting of shareholders, in which case the proposal must be received a reasonable time before MVB begins to print and send its proxy materials. An MVB shareholder must provide its proposal to MVB in writing, and it must comply with the requirements of SEC Rule 14a-8. Any such proposals should be sent to the attention of the Corporate Secretary of MVB at 301 Virginia Avenue, Fairmont, WV 26554.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Advance Notice Procedures</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">With respect to shareholder proposals not wishing to be included in MVB&#8217;s proxy statement, but rather to be brought as business at MVB&#8217;s annual meeting, MVB&#8217;s bylaws prescribe certain advance notice procedures independent of the notice requirement and deadline described above. MVB&#8217;s bylaws state that, to be timely, notice and certain related information must be received at MVB&#8217;s principal executive offices not less than 90&#160;days nor more than 120 days prior to the first anniversary of the preceding year&#8217;s annual meeting. However, in the event that the date of the annual meeting is more than 30 days before or more than 70 days after the anniversary date, the notice must be delivered not earlier than 120 days prior to the annual meeting and not later than 90 days prior to such annual meeting or the 10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day following the day on which public announcement of the date of such meeting is first made. For a shareholder proposal to be properly brought before the MVB 2023 annual meeting, the proposal must be received at MVB&#8217;s principal executive offices (301 Virginia Avenue, Fairmont, WV 26554) between January&#160;17, 2023 and before February&#160;16, 2023, as prescribed by rules under the Exchange Act and the notice provisions in the MVB&#8217;s bylaws.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;"><a name="tIFH1"><!--Anchor--></a>IFH</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">IFH held its 2022 annual meeting of shareholders on June&#160;16, 2022. If the proposed merger occurs, there will be no IFH annual meeting of shareholders for 2023. In that case, shareholder proposals must be submitted to MVB in accordance with the procedures described above. If the merger is not completed, then IFH will hold an annual meeting in 2023 in accordance with its current governing documents and as required by North Carolina law.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">151<br></div></div></div>
<!--End Page 161-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 162-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_121-legal_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tWYCMI"><!--Anchor--></a>WHERE YOU CAN FIND MORE INFORMATION</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB is subject to the informational requirements of the Exchange Act and files with the SEC proxy statements, Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. You may inspect MVB&#8217;s filings on the SEC&#8217;s web site at www.sec.gov or on our website at www.mvbbanking.com. However, other than MVB&#8217;s available SEC filings, the information on, or that can be accessible through, MVB&#8217;s website does not constitute a part of, and is not incorporated by reference in, this prospectus. Written requests for copies of the documents we file with the SEC should be directed to MVB Financial Corp., 301 Virginia Avenue, Fairmont, West Virginia 26554, Attention: Corporate Secretary, telephone: (304) 363-4800 or by email to lmccormick@mvbbanking.com.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">MVB has filed a registration statement on Form S-4 under the Securities Act with the SEC with respect to MVB&#8217;s securities to be issued in the merger. This document constitutes the prospectus of MVB filed as part of the registration statement. This document does not contain all of the information set forth in the registration statement because certain parts of the registration statement are omitted in accordance with the rules and regulations of the SEC. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Statements contained in this joint proxy statement/prospectus, or in any document incorporated by reference into this joint proxy statement/prospectus regarding the contents of any contract or other document, are not necessarily complete, and each such statement is qualified in its entirety by reference to that contract or other document filed as an exhibit with the SEC. The SEC allows MVB to incorporate by reference into this document documents filed with the SEC by MVB. This means that the companies can disclose important information to you by referring you to those documents. The information incorporated by reference is considered to be a part of this document, and later information that we file with the SEC will update and supersede that information. MVB incorporates by reference the documents listed below and any documents filed by MVB under Section 13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this document and before the date of the special meetings of MVB:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Our Annual Report on Form 10-K for the year ended December&#160;31, 2021, filed with the SEC on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000014/mvbf-20211231.htm">March&#160;10, 2022</a>;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Our Quarterly Report on Form 10-Q for the quarter ended March&#160;31, 2022, filed with the SEC on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000027/mvbf-20220331.htm">May&#160;2, 2022</a>;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Our Quarterly Report on Form 10-Q for the quarter ended June&#160;30, 2022, filed with the SEC on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000074/mvbf-20220630.htm">August&#160;8, 2022</a>;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Our Current Reports on Form 8-K filed with the SEC on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000004/mvbf-20220120.htm">January&#160;20, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000007/mvbf-20220127.htm">January&#160;27, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000119312522074152/d312195d8k.htm">March&#160;14, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000035/mvbf-20220517.htm">May&#160;18, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000064/mvbf-20220601.htm">June&#160;6, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000119312522219458/d365142d8k.htm">August&#160;12, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000119312522220612/d376043d8k.htm">August&#160;15, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000076/mvbf-20220817.htm">August&#160;18, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000119312522230088/d258017d8k.htm">August&#160;25, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000085/mvbf-20220914.htm">September&#160;14, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000127790222000090/mvbf-20221001.htm">October&#160;3, 2022</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1277902/000119312522260277/d364792d8k.htm">October&#160;11, 2022</a> and <a href="https://www.sec.gov/Archives/edgar/data/1277902/000127790222000093/mvbf-20221018.htm">October&#160;19, 2022</a>; and </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The description of our common stock contained in our Registration Statement on Form 8-A, filed <a href="https://www.sec.gov/Archives/edgar/data/1277902/000127790217000096/mvbf-form8xa.htm">December&#160;4, 2017</a>, including any subsequent amendment or any report filed for the purpose of updating such description.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">This document does not constitute an offer to sell, or a solicitation of an offer to purchase, the securities offered by this document, or the solicitation of a proxy, in any jurisdiction to or from any person to whom or from whom it is unlawful to make such offer, solicitation of an offer or proxy solicitation in such jurisdiction. Neither the delivery of this document nor any distribution of securities pursuant to this document shall, under any circumstances, create any implication that there has been no change in the information set forth or incorporated into this document by reference or in MVB&#8217;s and IFH&#8217;s affairs since the date of this document. MVB provided the information contained in this document with respect to MVB and IFH provided the information contained in this document with respect to IFH.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">152<br></div></div></div>
<!--End Page 162-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 163-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_200-fintoc_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="tINDFIN"><!--Anchor--></a>INDEX TO FINANCIAL STATEMENTS OF INTEGRATED FINANCIAL HOLDINGS, INC. </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.11%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.04%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Integrated Financial Holdings, Inc. &#8212; Unaudited Consolidated Financial Statements for the Six Months Ended June 30, 2022 and 2021<br></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCBS">Consolidated Balance Sheets<font style="padding-left: 4.76pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCBS"><font style="padding-left: 5pt;">F-</font>2</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOI">Consolidated Statements of Income<font style="padding-left: 2.55pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOI"><font style="padding-left: 5pt;">F-</font>3</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCI">Consolidated Statements of Comprehensive Income<font style="padding-left: 1.45pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCI"><font style="padding-left: 5pt;">F-</font>4</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCIS">Consolidated Statements of Changes in Shareholders' Equity<font style="padding-left: 3.13pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCIS"><font style="padding-left: 5pt;">F-</font>5</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCF">Consolidated Statements of Cash Flows<font style="padding-left: 4.77pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCF"><font style="padding-left: 5pt;">F-</font>6</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tNTCFS">Notes to Consolidated Financial Statements<font style="padding-left: 4.22pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tNTCFS"><font style="padding-left: 5pt;">F-</font>7</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Integrated Financial Holdings, Inc. &#8212; Audited Consolidated Financial Statements for the Years Ended December 31, 2021 and 2020<br></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tIAR">Independent Auditor's Report<font style="padding-left: 1.42pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tIAR">F-20</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCBS2">Consolidated Balance Sheets<font style="padding-left: 4.76pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCBS2">F-22</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOI2">Consolidated Statements of Income<font style="padding-left: 2.55pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOI2">F-23</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCI2">Consolidated Statements of Comprehensive Income<font style="padding-left: 1.45pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCI2">F-24</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCISE2">Consolidated Statements of Changes in Shareholders' Equity<font style="padding-left: 3.13pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCISE2">F-25</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tCSOCF2">Consolidated Statements of Cash Flows<font style="padding-left: 4.77pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tCSOCF2">F-26</a></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;"><a href="#tNTCFS2">Notes to Consolidated Financial Statements<font style="padding-left: 4.22pt;"></font></a></div></td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.11%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.04%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#tNTCFS2">F-27</a></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-1<br></div></div></div>
<!--End Page 163-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 164-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_201-fintab01_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCBS"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Balance Sheets </font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">As of June&#160;30, 2022 and December&#160;31, 2021</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except share data)</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unaudited</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Assets<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash and due from banks<font style="padding-left: 2.54pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">4,700</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">3,803</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing deposits with other institutions<font style="padding-left: 0.34pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">21,981</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">79,910</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total cash and cash equivalents<font style="padding-left: 3.26pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">26,681</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">83,713</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing time deposits<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,499</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,746</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Securities available for sale, at fair value<font style="padding-left: 4.54pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">19,038</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">20,671</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Marketable equity securities<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">17,982</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10.37pt;">11,988</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for sale<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">59,592</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">27,880</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">266,259</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">259,625</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Allowance for loan losses<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(6,361</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,547</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Loans held for investment, net<font style="padding-left: 2.27pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">259,898</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">254,078</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Premises and equipment, net<font style="padding-left: 0.04pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,238</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,174</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed assets<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">618</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing assets<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,178</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">3,993</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Bank owned life insurance<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,304</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,246</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest receivable<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,139</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,373</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Goodwill<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">13,161</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">13,161</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible assets<font style="padding-left: 0.31pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">6,014</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">6,399</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other assets<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">15,764</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">17,833</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total assets<font style="padding-left: 0.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$435,488</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$452,873</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liabilities and shareholders&#8217; equity<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liabilities<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deposits:<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noninterest-bearing<font style="padding-left: 2.53pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">83,544</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 0.37pt;">114,313</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">250,026</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">233,843</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total deposits<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">333,570</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">348,156</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Borrowings<font style="padding-left: 0.29pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">7,500</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest payable<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">308</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">326</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other liabilities<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">9,939</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15.74pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">9,111</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total liabilities<font style="padding-left: 1.55pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">343,817</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">365,093</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Shareholders&#8217; equity<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Common stock, voting, $1 par value, 8,000,000 shares authorized, 2,226,809 and 2,172,997 shares issued and outstanding at June&#160;30, 2022 and December&#160;31, 2021, respectively<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,227</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,173</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Common stock, non-voting, $1 par value, 1,000,000 shares authorized, 21,740 shares issued and outstanding at June&#160;30, 2022 and December&#160;31, 2021, respectively<font style="padding-left: 2.89pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">22</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">22</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Additional paid-in capital<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">24,498</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">23,666</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Retained earnings<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">67,781</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">62,810</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accumulated other comprehensive loss<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(1,985</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 24.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(99</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total Integrated Financial Holdings, Inc. shareholders&#8217; equity<font style="padding-left: 1.81pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">92,543</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">88,572</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noncontrolling interest<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(872</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(792</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total shareholders' equity<font style="padding-left: 1.57pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">91,671</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">87,780</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total liabilities and shareholders' equity<font style="padding-left: 3.26pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$435,488</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$452,873</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-2<br></div></div></div>
<!--End Page 164-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 165-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_201-fintab01_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOI"><!--Anchor--></a>Integrated Financial Holdings, Inc. <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Income (Unaudited) </font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the six months ended June 30, 2022 and 2021</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands except share and per share data)</div></td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest income<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest and fees on loans<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 13.24pt;">11,114</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 17.5pt;">9,128</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Investment securities &amp; deposits<font style="padding-left: 4.77pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">324</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">184</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total interest income<font style="padding-left: 1.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.87pt;">11,438</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">9,312</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest expense<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,045</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,369</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on borrowed funds<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 45pt;">24</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 45pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total interest expense<font style="padding-left: 3.79pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,069</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,369</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net interest income<font style="padding-left: 2.53pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">10,369</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">7,943</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">640</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">672</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net interest income after provision for loan losses<font style="padding-left: 2.04pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">9,729</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">7,271</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest income<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government loan servicing and processing revenue<font style="padding-left: 3.14pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">4,580</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">14,603</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Changes in fair value in marketable equity securities<font style="padding-left: 1.48pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">5,994</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,998</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Mortgage revenue<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,239</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">3,479</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government lending revenue<font style="padding-left: 4.21pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">3,891</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">5,137</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">SBA documentation preparation fees<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">272</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">675</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing rights<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">185</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">480</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other noninterest income<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">900</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">764</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total noninterest income<font style="padding-left: 1.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">17,061</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">27,136</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest expense<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Compensation<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">13,332</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">12,012</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy and equipment<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">598</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">603</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan related expenses<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">896</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">681</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Data processing expense<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">520</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">436</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Advertising expense<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">535</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">502</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Insurance expense<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">230</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">299</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Professional fees<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,042</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,240</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Software<font style="padding-left: 1.41pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">851</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">4,915</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Communications<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">180</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">197</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed asset expense, net<font style="padding-left: 2.28pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">233</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">955</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Directors fees<font style="padding-left: 0.87pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">351</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">195</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible amortization expense<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">340</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">358</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other noninterest expense<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">896</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">883</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total noninterest expense<font style="padding-left: 3.79pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">20,004</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">23,276</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income before income taxes<font style="font-weight: normal; padding-left: 1.63pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">6,786</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.87pt;">11,131</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Income tax expense<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,895</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">2,902</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net income<font style="padding-left: 0.3pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">4,891</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">8,229</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Net loss attributable to noncontrolling interest<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt; border-bottom: 1pt solid #000000; min-width: 45pt;">80</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">289</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net income available to Integrated Financial Holdings, Inc.<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">4,971</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">8,518</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic earnings per common share<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.29</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">3.93</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted earnings per common share<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">2.22</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">3.82</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Weighted average common shares outstanding<font style="padding-left: 3.37pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,166,953</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,165,888</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted average common shares outstanding<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,242,687</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,229,396</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-3<br></div></div></div>
<!--End Page 165-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 166-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_201-fintab01_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCI"><!--Anchor--></a>Integrated Financial Holdings, Inc. <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Comprehensive Income (Unaudited) </font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the six months ended June 30, 2022 and 2021</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 82.05%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.37%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="font-weight: normal; padding-left: 2.64pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 3.33pt;">4,891</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$8,229</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive loss:<br></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Unrealized loss during the period on available for sale securities, net of tax benefit of $502 and $67, respectively<font style="padding-left: 4.59pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,886</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(166</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive loss:<font style="padding-left: 3.21pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,886</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(166</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Comprehensive income<font style="padding-left: 0.97pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 8.33pt;">3,005</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">8,063</font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Comprehensive loss attributable to noncontrolling interest<font style="padding-left: 4.9pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(80</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(289</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-align: left;">Comprehensive income attributable to Integrated Financial Holdings, Inc.<font style="font-weight: normal; padding-left: 4.56pt;"></font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">3,085</font></div></td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.37%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$8,352</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-4<br></div></div></div>
<!--End Page 166-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 167-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_201-fintab01_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCIS"><!--Anchor--></a>Integrated Financial Holdings, Inc. <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Changes in Shareholders&#8217; Equity (Unaudited) </font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the six months ended June 30, 2022 and 2021</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td rowspan="2" style="width: 30.77%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.61%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">$1.00 par</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 6.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Additional <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Paid-in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Capital</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 9.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Comprehensive <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Loss</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 6.25%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Retained <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Earnings</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 9.61%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Noncontrolling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Interest</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 8.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shareholders' <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Equity</div></td></tr><tr class="header"><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.29%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Voting</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.14%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non-voting</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at December&#160;31, 2020<font style="font-weight: normal; padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$2,181</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;">$22</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;">$24,331</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;">$<font style="padding-left: 9.74pt;">271</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$50,079</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;">$(161)</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;">$76,723</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 4.28pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 9pt;">8,518</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 9pt;">8,518</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive loss<font style="padding-left: 1.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 11.25pt;">(166)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 12.76pt;">(166)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stock based compensation<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">56</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 20.25pt;">56</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exercise of stock options<font style="padding-left: 3.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">24</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 15.75pt;">339</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 15.75pt;">363</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Restricted stock issuance<font style="padding-left: 4.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">45</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 15.75pt;">432</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 15.75pt;">477</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noncontrolling interest<font style="padding-left: 2.29pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 4.5pt;">(289)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 12.76pt;">(289)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Share repurchases and cancellations<font style="padding-left: 4.85pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.76pt; border-bottom: 1pt solid #000000; min-width: 24.75pt;">(67</font><font style="min-width: 24.75pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt; border-bottom: 1pt solid #000000; min-width: 13.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 6.01pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(1,613</font><font style="min-width: 29.25pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt; border-bottom: 1pt solid #000000; min-width: 27.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 6.01pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(1,680</font><font style="min-width: 29.25pt;">)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at June&#160;30, 2021<font style="font-weight: normal; padding-left: 4.03pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 24.75pt;">$2,183</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 13.5pt;">$22</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$23,545</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.74pt;">$</font><font style="padding-left: 9.74pt; border-bottom: 3pt double #000000; min-width: 27.74pt;">105</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$58,597</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$(450</font><font style="min-width: 20.99pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$84,002</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at December&#160;31, 2021<font style="font-weight: normal; padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$2,173</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;">$22</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;">$23,666</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;">$<font style="padding-left: 11.25pt;">(99)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$62,810</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;">$(792)</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;">$87,780</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 4.28pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 9pt;">4,971</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 9pt;">4,971</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive loss<font style="padding-left: 1.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 4.5pt;">(1,886)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 6.01pt;">(1,886)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stock based compensation<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">61</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 20.25pt;">61</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exercise of stock options<font style="padding-left: 3.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">14</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 15.75pt;">285</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 15.75pt;">299</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Restricted stock issuance<font style="padding-left: 4.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">43</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 15.75pt;">535</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 15.75pt;">578</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noncontrolling interest<font style="padding-left: 2.29pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 9pt;">(80)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 17.26pt;">(80)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Share repurchases and cancellations<font style="padding-left: 4.85pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.26pt; border-bottom: 1pt solid #000000; min-width: 24.75pt;">(3</font><font style="min-width: 24.75pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt; border-bottom: 1pt solid #000000; min-width: 13.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="padding-left: 17.26pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(49</font><font style="min-width: 29.25pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="padding-left: 18.74pt; border-bottom: 1pt solid #000000; min-width: 27.74pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 20.25pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="padding-left: 17.26pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(52</font><font style="min-width: 29.25pt;">)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at June&#160;30, 2022<font style="font-weight: normal; padding-left: 4.03pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 24.75pt;">$2,227</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 13.5pt;">$22</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.32pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$24,498</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.4pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.74pt;">$(1,985</font><font style="min-width: 27.74pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$67,781</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$(872</font><font style="min-width: 20.99pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$91,671</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-5<br></div></div></div>
<!--End Page 167-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 168-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_201-fintab01_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCF"><!--Anchor--></a>Integrated Financial Holdings, Inc. <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Cash Flows (Unaudited) </font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the six months ended June 30, 2022 and 2021</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.65%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from operating activities<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Net income<font style="padding-left: 0.3pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 13.33pt;">4,891</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.96pt;">8,229</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Adjustments to reconcile net income to net cash from operating activities:<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Depreciation expense<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">102</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">201</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">640</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">672</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Amortization of premium on securities, net of accretion<font style="padding-left: 3.98pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.83pt;">17</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.46pt;">37</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Amortization of intangible assets<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">385</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">300</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Accretion of discounts on loans<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">(976)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.13pt;">(739)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Originations of loans held for sale<font style="padding-left: 2.01pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">(127,904)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">(115,918)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Proceeds from sales of loans held for sale<font style="padding-left: 0.37pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 8.33pt;">100,588</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 7.96pt;">136,380</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net gains on sale of loans held for sale<font style="padding-left: 0.92pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">(4,396)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.63pt;">(8,775)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net loss on sale of foreclosed assets<font style="padding-left: 3.7pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.83pt;">91</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">944</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net loss on sale and disposal of property and equipment<font style="padding-left: 0.93pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.83pt;">69</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.46pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Stock-based compensation expense<font style="padding-left: 4.22pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">596</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">432</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Earnings on bank-owned life insurance<font style="padding-left: 2.57pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">(58)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.13pt;">(57)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Revaluation of loan servicing rights<font style="padding-left: 0.88pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">(185)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.13pt;">(480)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Changes in fair value on marketable equity securities<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">(5,994)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.63pt;">(1,998)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Changes in assets and liabilities:<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">(Increase) decrease in other assets<font style="padding-left: 3.15pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 18.33pt;">1,805</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.63pt;">(6,019)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Increase (decrease) in other liabilities<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">810</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.63pt; border-bottom: 1pt solid #000000; min-width: 40.46pt;">(1,018</font><font style="min-width: 40.46pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Net cash provided by (used in) operating activities<font style="padding-left: 4.81pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">(29,519)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.96pt;">12,191</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from investing activities<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Purchases of securities available-for-sale<font style="padding-left: 1.68pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">(1,971)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 9.63pt;">(6,003)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from maturities and principal paydowns of securities available-for-sale<font style="padding-left: 3.96pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 18.33pt;">1,199</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.96pt;">2,514</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from maturities of interest-bearing time deposits<font style="padding-left: 0.38pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">247</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30.46pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Decrease (increase) in loans, net<font style="padding-left: 4.53pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">(5,484)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.96pt;">1,940</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from sale of foreclosed assets<font style="padding-left: 1.48pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">527</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">810</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Purchases of premises and equipment<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">(235</font><font style="min-width: 40.83pt;">)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.13pt; border-bottom: 1pt solid #000000; min-width: 40.46pt;">(142</font><font style="min-width: 40.46pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net cash used in investing activities<font style="padding-left: 4.78pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">(5,717)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 17.13pt;">(881)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from financing activities<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Increase (decrease) in deposits, net<font style="padding-left: 4.53pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">(14,586)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.96pt;">36,505</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Increase (decrease) in borrowings, net<font style="padding-left: 1.76pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">(7,500)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.96pt;">1,000</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Stock option exercises and restricted stock vested<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">342</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.46pt;">434</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Repurchase of common stock<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">(52</font><font style="min-width: 40.83pt;">)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.63pt; border-bottom: 1pt solid #000000; min-width: 40.46pt;">(1,680</font><font style="min-width: 40.46pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net cash provided by (used in) financing activities<font style="padding-left: 4.81pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">(21,796)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.96pt;">36,259</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net change in cash and cash equivalents<font style="padding-left: 1.47pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">(57,032)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.96pt;">47,569</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents, beginning<font style="font-weight: normal; padding-left: 4.47pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">83,713</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.96pt; border-bottom: 1pt solid #000000; min-width: 40.46pt;">32,925</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents, ending<font style="font-weight: normal; padding-left: 2.81pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 40.83pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 40.83pt;">26,681</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 40.46pt;">$</font><font style="padding-left: 7.96pt; border-bottom: 3pt double #000000; min-width: 40.46pt;">80,494</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Supplemental Disclosures of Cash Flow Information<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash paid during the period for interest<font style="padding-left: 0.34pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 13.33pt;">1,087</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.96pt;">1,408</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash paid during the period for taxes<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 25.83pt;">647</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.96pt;">1,456</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Supplemental Disclosures of Noncash Investing and Financing Activities<br></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Change in unrealized loss on securities avaiable for sale, net of tax<font style="padding-left: 1.8pt;"></font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">(1,886)</font></div></td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.43%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.65%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 17.13pt;">(166)</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-6<br></div></div></div>
<!--End Page 168-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 169-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;"><a name="tNTCFS"><!--Anchor--></a>Note 1.&#8195;Nature of Business and Basis of Presentation </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Summary of Significant Accounting Policies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A summary of significant accounting principles is included in the Integrated Financial Holdings, Inc. (the&#160;&#8220;Company&#8221;) 2021 consolidated financial statements, which are included elsewhere herein.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Principles of Consolidation and Basis of Presentation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries, West Town Bank &amp; Trust (the &#8220;Bank&#8221;), West Town Insurance Agency, Inc., Patriarch LLC, Glenwood Structured Finance, LLC, Windsor Advantage, LLC (&#8220;Windsor&#8221;) and SBA Loan Documentation Services, LLC, after elimination of all significant intercompany balances and transactions.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Management Opinion</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The accompanying unaudited consolidated interim financial statements have been prepared in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;) and are unaudited. They do not contain all of the disclosures required for annual audited financial statements. In the opinion of management, all adjustments necessary to present a fair statement of the results for the interim period have been made. Such adjustments are of a normal and recurring nature. The results of operations for any interim period are not necessarily indicative of the results to be expected for an entire year. These interim consolidated financial statements should be read in conjunction with the annual consolidated financial statements and notes thereto contained in the Company&#8217;s consolidated financial statements.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Use of Estimates</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The preparation of consolidated financial statements in conformity with generally accepted accounting principles (&#8220;GAAP&#8221;) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. On an ongoing basis, the Company evaluates its estimates, including those relating to the allowance for loan losses, determination of fair value of acquired assets and assumed liabilities, servicing assets, and valuation of goodwill and intangible assets.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Risks and Uncertainties</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different times, or on different bases, than its interest-earning assets. Credit risk is the risk of default on the Company's loan and investment securities portfolios that results from a borrower's inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to further changes with respect to asset valuations, amounts of required loss allowances and operating restrictions from the regulators' judgments based on information available to them at the time of their examination.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Concentrations of Credit Risk</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Financial instruments, which potentially subject the Company to concentrations of credit risk, consist principally of loans receivable, investment securities, federal funds sold and amounts due from banks.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company makes loans to individuals and small businesses for various personal and commercial purposes throughout the United States. The Company&#8217;s loan portfolio is not concentrated in loans to any single borrower </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-7<br></div></div></div>
<!--End Page 169-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 170-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">or a relatively small number of borrowers. Additionally, management is not aware of any concentrations of loans to classes of borrowers or industries that would be similarly affected by economic conditions. However, the Company does have large portfolio of loans in the solar electric generation power industry but not so much as to be deemed a concern by management.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g., principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. Management has determined that there is no concentration of credit risk associated with its lending policies or practices. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan&#8217;s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e., balloon payment loans). These loans are underwritten and monitored to manage the associated risks. Therefore, management believes that these particular practices do not subject the Company to unusual credit risk.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s investment portfolio consists principally of obligations of the United States, its agencies or its corporations and general obligation municipal securities. In the opinion of management, there is no concentration of credit risk in its investment portfolio. The Company places its deposits and correspondent accounts with and sells its federal funds to high quality institutions.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Management believes credit risk associated with correspondent accounts is not significant.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 2.&#8195;Earnings per Share</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Basic earnings per common share is computed using the weighted average number of common shares and participating securities outstanding during the reporting period. Diluted earnings per common share is the amount of earnings available to each share of common stock during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options and warrants. Potentially dilutive common shares are excluded from the computation of dilutive earnings per share in the periods in which the effect would be anti-dilutive. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The Company's basic and diluted earnings per share calculations are presented in the following table:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 26.04%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">For the six months ended June&#160;30,</div></td></tr><tr class="header"><td style="width: 71.79%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands except share and per share data)</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income attributable to IFH, Inc.<font style="padding-left: 0.78pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;">$<font style="padding-left: 17.5pt;">4,971</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;">$<font style="padding-left: 17.5pt;">8,518</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted average common shares &#8211; basic<font style="padding-left: 2.16pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 5pt;">2,166,953</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 5pt;">2,165,888</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Add: Effect of dilutive stock options<font style="padding-left: 3.17pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 17.5pt;">66,638</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 17.5pt;">54,310</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Add: Effect of dilutive restricted stock awards<font style="padding-left: 3.77pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 17.87pt; border-bottom: 1pt solid #000000; min-width: 45pt;">11,096</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">9,198</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted average common shares &#8211; dilutive<font style="padding-left: 2.15pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2,244,687</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2,229,396</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Basic earnings per common share<font style="padding-left: 0.23pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2.29</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">3.93</font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Diluted earnings per common share<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2.22</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">3.82</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-8<br></div></div></div>
<!--End Page 170-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 171-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 3.&#8195;Investment Securities</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The amortized cost, unrealized gains, unrealized losses, and fair values of available-for-sale investment and marketable equity securities at June&#160;30, 2022 and December&#160;31, 2021 are as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 36.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">187</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 17.5pt;">3</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">190</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 1.17pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">20,883</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt;">1</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 5pt;">2,514</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">18,370</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 1.06pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">481</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 3.5pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$21,551</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">4</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,517</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$19,038</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 0.55pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,992</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$17,982</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 36.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.88%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">243</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 17.5pt;">3</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">246 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 1.17pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">20,007</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 12.5pt;">192</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">323</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$19,876 </div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 1.06pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">546</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 3.5pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,796</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 7.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">198</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$323</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 4.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,671 </font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 4.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 0.55pt;"></font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,998</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.88%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 0.37pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">11,988</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table provides the unrealized gains on marketable equity securities arising during the six months ended June&#160;30, 2022 and 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 2.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities gains<font style="padding-left: 3.12pt;"></font></div></td><td class="gutter" style="width: 2.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,994</font></div></td><td class="gutter" style="width: 2.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,998</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables summarize securities with unrealized losses at June&#160;30, 2022 and December&#160;31, 2021, aggregated by major security type and length of time in a continuous unrealized loss position:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.66%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.39%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.39%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.44%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.77pt; text-align: left;">$14,777</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.15pt; text-align: left;">$1,793</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;">$3,539</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$721</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.45pt; text-align: left;">$18,316</div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$2,514</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored collateralized mortgage obligations<font style="padding-left: 4.96pt;"></font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.77pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.15pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.45pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">478</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.7%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,255</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.15pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,796</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,539</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$721</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.45pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$18,794</font></div></td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.44%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,517</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-9<br></div></div></div>
<!--End Page 171-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 172-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.42pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.13pt;">$11,865</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.37pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$230</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$2,548</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$93</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$14,413</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$323 </font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.42pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$11,865</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$230</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.85pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,548</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$93</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$14,413</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$323</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The fair values of investment securities available for sale at June&#160;30, 2022 by contractual maturity are shown below. Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.1%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">1 Year</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After One <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Five Years</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After Five <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ten Years</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ten Years</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.43pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;">$<font style="padding-left: 5pt;">3</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;">$<font style="padding-left: 12.5pt;">188</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 12.5pt;">191</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.43pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="padding-left: 5pt;">56</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="padding-left: 5pt;">18,314</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">18,370</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.43pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">477</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">477</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 15pt;">3</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$56</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$18,979</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$19,038</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Management considers the nature of the investment, the underlying causes of the decline in the market value and the severity and duration of the decline in market value in determining if impairment is other than temporary. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2)&#160;the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Securities classified as available-for-sale are recorded at fair market value. At June&#160;30, 2022, there were two securities classified as available-for-sale in an unrealized loss position for twelve months or more. At December&#160;31, 2021, there was one security classified as available-for-sale in an unrealized loss position for twelve months or more. No impairment loss has been realized in the Company's consolidated income statement.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of June&#160;30, 2022, investments with amortized costs and fair values of $690,000 and $672,000, respectively, were pledged. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company had one holding of securities of one issuer other than the U.S. government and its agencies in an amount greater than 10% of shareholders&#8217; equity at June&#160;30, 2022 and December&#160;31, 2021. That investment in Dogwood State Bank totaled $18.0&#160;million and $12.0&#160;million at June&#160;30, 2022 and December&#160;31, 2021, respectively. The investment is carried on the balance sheet in marketable equity securities. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">During the six months ended June&#160;30, 2022, no securities were sold. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Loans held for investment at June&#160;30, 2022 and December&#160;31, 2021 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.25%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.25%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.25%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.25%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$155,931</div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;">$143,182</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Real Estate:<br></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">75,709</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">32,855</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 1.4pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">57</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Subtotal<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">264,552</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 5pt;">257,716</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net deferred loan costs<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,707</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 15pt;">1,909</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(6,361</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,547</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment, net<font style="padding-left: 2.27pt;"></font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$259,898</font></div></td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.25%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.83pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$254,078</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-10<br></div></div></div>
<!--End Page 172-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 173-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Included above, the Company has SBA loans totaling $60.9&#160;million and $64.3&#160;million and USDA loans totaling $166.8&#160;million and $91.4&#160;million at June&#160;30, 2022 and December&#160;31, 2021, respectively. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables present the activity in the allowance for loan losses by class of loans for the six-months ended June&#160;30, 2022 and 2021 and for the year ended December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 59.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Beginning balance<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$<font style="padding-left: 10pt;">3,023</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$<font style="padding-left: 5pt;">2,219</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$<font style="padding-left: 12.5pt;">274</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;">$<font style="padding-left: 5pt;">3</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;">$<font style="padding-left: 3.33pt;">28</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">5,547</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,067</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 14.17pt;">(475)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt;">71</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 6.67pt;">(1)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="padding-left: 5pt;">(22)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">640</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Charge-offs<font style="padding-left: 0.11pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 19.17pt;">(402)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 19.17pt;">(49)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="padding-left: 8.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 19.17pt;">(451)</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Recoveries<font style="padding-left: 3.08pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">151</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">474</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">625</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Ending Balance<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">3,839</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,169</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">345</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 15pt;">2</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">6</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">6,361</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ending Balances:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">439</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">57</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">496</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">3,400</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5.37pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,112</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">345</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 15pt;">2</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">6</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,865</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans Held for Investment:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Ending balance, total<font style="padding-left: 1.14pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$155,931</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$75,709</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$32,855</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$57</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$264,552</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">1,082</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">4,171</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">583</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,836</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$154,849</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$71,538</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$32,272</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$57</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$258,716</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 59.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2021</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Beginning balance<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$<font style="padding-left: 10pt;">2,337</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$<font style="padding-left: 10pt;">2,371</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$<font style="padding-left: 12.5pt;">338</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">94</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;">$<font style="padding-left: 10pt;">4</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">5,144</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 19.17pt;">(134)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">756</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 19.17pt;">(64)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 5pt;">(90)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="padding-left: 5pt;">204</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">672</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Charge-offs<font style="padding-left: 0.11pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 24.17pt;">(12)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 19.17pt;">(179)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 19.17pt;">(191)</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Recoveries<font style="padding-left: 3.08pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">10</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">10</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Ending Balance<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,191</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,948</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">284</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">4</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$208</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,635</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ending Balances:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">271</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">271</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,191</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,677</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">284</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">4</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$208</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,364</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans Held for Investment:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Ending balance, total<font style="padding-left: 1.14pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$131,856</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$100,353</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$32,102</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">91</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$264,402</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">828</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">6,258</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">678</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">7,764</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$131,028</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">94,095</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$31,424</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">91</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.44pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$256,638</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-11<br></div></div></div>
<!--End Page 173-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 174-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 58.89%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.33%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.33%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.33%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.33%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.68%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses:<br></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Beginning balance<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$<font style="padding-left: 10pt;">2,337</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$<font style="padding-left: 5pt;">2,371</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$<font style="padding-left: 12.5pt;">338</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">94</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;">$<font style="padding-left: 5pt;">4</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">5,144</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,874</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 17.5pt;">203</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 19.17pt;">(64)</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 5pt;">(91)</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt;">24</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,946</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Charge-offs<font style="padding-left: 0.11pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 11.67pt;">(1,248)</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 14.17pt;">(355)</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt;">(1,603)</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Recoveries<font style="padding-left: 3.08pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">60</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">60</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Ending Balance<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">3,023</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,219</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">274</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">3</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$28</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,547</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ending Balances:<br></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">234</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">234</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,789</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,219</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">274</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">3</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$28</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,313</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans Held for Investment:<br></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Ending balance, total<font style="padding-left: 1.14pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$143,182</div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$79,394</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$35,066</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">74</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$257,716</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">1,168</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">5,858</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">537</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">7,563</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$142,014</font></div></td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.33%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$73,536</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$34,529</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">74</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.68%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$250,153</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables present information related to impaired loans by class of loans recorded at June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 469.06pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 71.63%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands )</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.14%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Recorded <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Investment</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Contractual <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Principal <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allocated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allowance</div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>June&#160;30, 2022</u><br></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans without a specific valuation allowance:<br></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;">$<font style="padding-left: 7.5pt;">158</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;">$<font style="padding-left: 7.5pt;">160</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;"><font style="padding-left: 5pt;">3,814</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 5pt;">4,129</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Residential real estate<font style="padding-left: 4.1pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;"><font style="padding-left: 12.5pt;">583</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">575</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans with a specific valuation allowance:<br></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;"><font style="padding-left: 12.5pt;">924</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">936</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 5pt;">439</font></div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">357</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">449</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">57</font></div></td></tr><tr><td style="width: 71.63%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Total<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.35pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,836</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,249</font></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$496</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands )</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Recorded <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Investment</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unpaid <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Contractual<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Principal <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allocated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allowance</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>December&#160;31, 2021</u><br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans without a specific valuation allowance:<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;">$<font style="padding-left: 7.5pt;">517</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;">$<font style="padding-left: 7.5pt;">502</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 0.66pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 5pt;">5,858</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 5pt;">5,861</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Residential real estate<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans with a specific valuation allowance:<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">651</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">651</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 20pt;">234</font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,563</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,551</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$234</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-12<br></div></div></div>
<!--End Page 174-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 175-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The following tables present the aging of the recorded investment in past due loans by class of loans as of June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)<font style="font-style: normal;"> </font></div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.12%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">30 - 59 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.13%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">60 - 89<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Greater <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">than 90<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non-<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accrual</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Current</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Loans</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>June&#160;30, 2022</u><br></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.49pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">800</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">800</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$155,131</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$155,931</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial real estate<font style="padding-left: 0.66pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 5pt;">479</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.49pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">3,319</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">3,798</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10.37pt;">71,911</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">75,709</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Residential real estate<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.49pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">32,318</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">32,855</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 3.4pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.49pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">57</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">57</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$479</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.49pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$4,656</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,135</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$259,417</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$264,552</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.12%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">30 - 59<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.13%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">60 - 89<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Greater <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">than 90<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non-<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accrual</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Current</div></td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.08%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Loans</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>December&#160;31, 2021</u><br></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;">$<font style="padding-left: 5pt;">19</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$1,170</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$1,189</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$141,993</div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$143,182</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial real estate<font style="padding-left: 0.66pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">5,309</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">5,309</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">74,085</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Residential real estate<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 5pt;">279</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 5pt;">204</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">370</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">853</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">34,213</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 3.4pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$298</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$204</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.98pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,849</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,351</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$250,365</font></div></td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.08%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Troubled Debt Restructurings:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no TDRs that subsequently defaulted (more than 90 days past due or charge-off) within the first year of modification during 2022 and 2021. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There were five new TDRs in 2022 with balances of $.1&#160;million as of June&#160;30, 2022. There were two new TDRs in 2021 with balances of $961,000 as of December&#160;31, 2021. Modifications made by the Company in both years included temporary payment reductions. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">TDRs by loan classification were as follows as of June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1pt; text-align: left;">$<font style="padding-left: 7.13pt;">456</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.58pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Real Estate:<br></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1pt; text-align: left;"><font style="padding-left: 12.13pt;">242</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.58pt; text-align: left;"><font style="padding-left: 5pt;">961</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1pt; text-align: left;"><font style="padding-left: 12.13pt; border-bottom: 1pt solid #000000; min-width: 27.13pt;">416</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.58pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.13pt;">$1,114</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.58pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$961</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-13<br></div></div></div>
<!--End Page 175-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 176-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Credit Quality Indicators</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The risk category of homogeneous loans is evaluated at origination and when a loan becomes delinquent. The Company uses the following definitions for risk ratings:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Pass<font style="font-style: normal; font-weight: normal;"> loans are loans that are performing and are deemed adequately protected by the net worth of the </font><font style="font-style: normal; font-weight: normal;">borrower or the underlying collateral value. These loans are considered the least risky in terms of </font><font style="font-style: normal; font-weight: normal;">determining the allowance for loan losses.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Special Mention<font style="font-style: normal; font-weight: normal;"> loans are loans with underwriting guideline tolerances and/or exceptions and with no </font><font style="font-style: normal; font-weight: normal;">mitigating factors. These are loans that are currently performing satisfactorily but with potential weaknesses </font><font style="font-style: normal; font-weight: normal;">that may, if not corrected, weaken the asset or inadequately protect the Bank's position at some future date. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Substandard<font style="font-style: normal; font-weight: normal;"> loans typically have an identified weakness or weaknesses and are inadequately protected by </font><font style="font-style: normal; font-weight: normal;">the net worth of the borrower or collateral value.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Doubtful<font style="font-style: normal; font-weight: normal;"> loans have the same characteristics of a substandard loan with an additional weakness that makes </font><font style="font-style: normal; font-weight: normal;">collection or liquidation of the asset highly questionable, and there is a high probability of loss based on </font><font style="font-style: normal; font-weight: normal;">currently existing facts, conditions or values.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Loss<font style="font-style: normal; font-weight: normal;"> loans are considered uncollectable and of such little value that their continuance as bankable assets is </font><font style="font-style: normal; font-weight: normal;">not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value </font><font style="font-style: normal; font-weight: normal;">but rather that it is not practical or desirable to defer writing off the worthless loan even though partial </font><font style="font-style: normal; font-weight: normal;">recovery may be collected in the future. Probable loss portions of doubtful assets should be charged against </font><font style="font-style: normal; font-weight: normal;">the Allowance for Loan Losses. Loans may reside in this classification for administrative purposes for a </font><font style="font-style: normal; font-weight: normal;">period not to exceed the earlier of thirty days or calendar quarter-end. There were no loans rated as loss as </font><font style="font-style: normal; font-weight: normal;">of June&#160;30, 2022 or December&#160;31, 2021.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass rated loans.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following is an analysis of our loan portfolio by credit quality indicators at June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 51.48%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pass<font style="padding-left: 0.73pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$154,532</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$72,068</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$31,960</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;">$57</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$258,617</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Special mention<font style="padding-left: 2.96pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">599</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">1,038</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 17.5pt;">358</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,995</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Substandard<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">800</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">2,603</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 17.5pt;">537</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">3,940</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Doubtful<font style="padding-left: 2.39pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$155,931</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$75,709</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$32,855</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$57</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$264,552</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 47.38%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.67%; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.25pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pass<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$141,655</div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$73,160</div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;">$34,382</div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;">$74</div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$249,271</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Special mention<font style="padding-left: 1.96pt;"></font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">357</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">1,664</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">314</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,335</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Substandard<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,170</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">4,570</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">370</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15.37pt;">6,110</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Doubtful<font style="padding-left: 1.39pt;"></font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$143,182</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$79,394</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$35,066</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$74</font></div></td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.67%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-14<br></div></div></div>
<!--End Page 176-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 177-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 5.&#8195;Loan Servicing Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company accounts for loan servicing rights at fair value. The changes in fair value are recorded in the consolidated statements of income in noninterest income. The Company values its loan servicing rights quarterly. During the first six months of 2022, adjustments to fair value of the loan servicing rights totaled $166,165, which increased the loan servicing rights to $4.2&#160;million at June&#160;30, 2022 from $4.0&#160;million at December&#160;31, 2021. The valuation incorporates changes in discount rates and prepayment speed assumptions, mostly due to changes in interest rates. The portfolio mix also impacts valuation, as the fair value servicing spreads for SBA servicing assets are generally 3-4 times greater compared to USDA servicing assets. Discount rates are assigned on a product level basis and reflect the rates of returns buyers of similar products require. The model for prepayment speeds considers loan characteristics including interest rate, product type, loan age, and original term, as well as current market conditions including short and long-term interest rate levels. The fair value of loan servicing rights is sensitive to changes in interest rates, including their effect on prepayment speeds. Fair value at June&#160;30, 2022 was determined using discount rates ranging from 10.75% to 12.75%, prepayment speeds ranging from 11.46% to 16.83%, depending on the stratification, and a weighted average default rate of 0.866%. Fair value at December&#160;31, 2021 was determined using discount rates ranging from 10.00% to 12.00%, prepayment speeds ranging from 9.58% to 14.34%, depending on the stratification, and a weighted average default rate of 0.90%.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 6.&#8195;Premises and Equipment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">Premises and equipment were as follows at June&#160;30, 2022 and December&#160;31, 2021:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.6%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.6%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.6%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.6%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Land<font style="padding-left: 1.95pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10.83pt;">809</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;">$<font style="padding-left: 10.83pt;">875</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Buildings<font style="padding-left: 3.61pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">3,909</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="padding-left: 8.33pt;">3,894</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Furniture, fixtures and equipment<font style="padding-left: 0.6pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt;">903</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="padding-left: 15.83pt;">907</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Software<font style="padding-left: 1.41pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">529</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="padding-left: 15.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">303</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">6,150</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="padding-left: 8.33pt;">5,979</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accumulated depreciation<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,912</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,805</font><font style="min-width: 30.83pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premises and equipment, net<font style="padding-left: 0.04pt;"></font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">4,238</font></div></td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.6%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">4,174</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Depreciation expense was $102,000 and $201,000 for the six months ended June&#160;30, 2022 and 2021, respectively. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 7.&#8195;Leases</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of June&#160;30, 2022, the Company has only operating leases for facilities. Leases have remaining lease terms of 4 to 5&#160;years. In addition, the Company rents three loan production offices on a month-to-month basis.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">The components of lease expense as of June&#160;30, 2022 and 2021 were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease expense<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.56pt; text-align: left;">$263</div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.58pt; text-align: left;">$210</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-15<br></div></div></div>
<!--End Page 177-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 178-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Supplemental balance sheet information related to leases as of June&#160;30, 2022, and December&#160;31, 2021 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.23%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating Leases<br></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease right-of-use assets<font style="padding-left: 2.02pt;"></font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$1,922</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.83pt; text-align: left;">$1,434</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease liabilities<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$2,010</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.83pt; text-align: left;">$1,524</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted Average Remaining Lease Term:<br></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating leases<font style="padding-left: 0.31pt;"></font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: right; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: right;">4.3 Years</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: right; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: right;">4.4 Years</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted Average Discount Rate:<br></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating leases<font style="padding-left: 0.31pt;"></font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;"><font style="padding-left: 10pt;">1.20%</font></div></td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.23%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.83pt; text-align: left;"><font style="padding-left: 10pt;">0.89%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Right-of use lease assets and liabilities are included in other assets and liabilities on the balance sheet.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Maturities of lease liabilities as of June&#160;30, 2022 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 4.5pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 6pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">220</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023<font style="padding-left: 4.5pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">430</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 4.5pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">442</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025<font style="padding-left: 4.5pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">454</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2026<font style="padding-left: 4.5pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">221</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Thereafter<font style="padding-left: 2.86pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">243</font></div></td></tr><tr><td style="width: 92.31%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,010</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Note 8.&#8195;Goodwill and Intangible Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There were no changes in goodwill between June&#160;30, 2022 and December&#160;31,2021. Balances as of those dates were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Goodwill, beginning of year<font style="padding-left: 1.7pt;"></font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$13,161</div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.33pt; text-align: left;">$13,161</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Acquired goodwill<font style="padding-left: 1.41pt;"></font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.33pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Impairment<font style="padding-left: 0.85pt;"></font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.33pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Goodwill, end of period<font style="padding-left: 3.92pt;"></font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$13,161</font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.33pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$13,161</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Intangible assets at June&#160;30, 2022 and December&#160;31, 2021 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.15%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortization</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortization</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Amortized intangible assets:<br></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Customer list intangible<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;">$6,640</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;">$(2,767)</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;">$6,640</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;">$(2,435)</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noncompete intangible<font style="padding-left: 2.08pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 12.5pt;">241</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 12.5pt;">(241)</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">West Town Payments startup costs<font style="padding-left: 4.9pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">60</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(7</font><font style="min-width: 30.83pt;">)</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total amortized intangible assets<font style="padding-left: 2.8pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,640</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$(2,767</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,941</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$(2,683</font><font style="min-width: 30.83pt;">)</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Indefinite life intangible assets:<br></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Trade name intangible<font style="padding-left: 0.22pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,141</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 15.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,141</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 15.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">&#8212;</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-16<br></div></div></div>
<!--End Page 178-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 179-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Aggregate amortization expense was $332,000 for the six-month periods ended June&#160;30, 2022 and 2021. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022, scheduled amortization of the intangible assets is as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 87.18%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 3.47%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">332</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">664</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">664</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">664</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2026<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">332</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Thereafter<font style="padding-left: 3.86pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,217</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.47%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,873</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company evaluates goodwill and intangible assets for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Note 9.&#8195;Deposits</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Time deposits that meet or exceed the FDIC insurance limit of $250,000 as of June&#160;30, 2022 and December&#160;31, 2021, were $25.9&#160;million and $29.6&#160;million, respectively.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022, scheduled maturities of time deposits were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 87.18%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.4%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">86,208</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">52,094</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">25,056</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025<font style="padding-left: 0.5pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">14,726</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Thereafter<font style="padding-left: 3.86pt;"></font></div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">1,459</font></div></td></tr><tr><td style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.4%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$179,543</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022 and December&#160;31, 2021, brokered deposits totaled $70.2&#160;million and $40.2&#160;million, respectively.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Note 10.&#8195;Borrowings</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022 and December&#160;31, 2021 advances from the Federal Home Loan Bank were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.22%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.7%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Maturing in May 2022, at a fixed rate of 0.00%<font style="padding-left: 0.36pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.06pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.83pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$5,000</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.22%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.06pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$ &#8212;</font></div></td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.7%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.83pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,000</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The 2021 advance was collateralized by $56.6&#160;million of loans under a blanket lien arrangement at December&#160;31, 2021. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company had a $10.0&#160;million revolving line of credit with another financial institution which was renewed in February 2022 and expires in February 2023. The terms of the loan are Wall Street Journal Prime Rate plus 0.75%. The Company had a $2.5&#160;million outstanding balance as of December&#160;31, 2021 but no outstanding balance as of June&#160;30, 2022. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Certain borrowing agreements require the Company to comply with stated financial covenants and contain restrictions on uses of loan proceeds. As of June&#160;30, 2022, the Company was in compliance with all of its debt covenants.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-17<br></div></div></div>
<!--End Page 179-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 180-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 11.&#8195;Income Taxes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company accounts for income taxes in accordance with FASB ASC Topic 740, &#8220;Income Taxes&#8221;, a method whereby certain items of income and expense (principally provision for loan losses, depreciation, and prepaid expenses) are included in one reporting period for financial accounting purposes and another for income tax purposes. Refer to the notes within the consolidated financial statements for the year ended December&#160;31, 2021 for more information. The accounting literature states that a deferred tax asset should be reduced by a valuation allowance if, based on the weight of all available evidence, it is more likely than not (a likelihood of more than 50%) that some portion or the entire deferred tax asset will not be realized. The determination of whether a deferred tax asset is realizable is based on weighing all available evidence, including both positive and negative evidence. In making such judgments, significant weight is given to evidence that can be objectively verified.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company believes that its income tax filing positions taken or expected to be taken in its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&#8217;s financial condition, results of operations, or cash flows. Therefore, no reserves for uncertain income tax positions have been recorded pursuant to ASC 740, &#8220;Income Taxes&#8221;.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 16.5pt; margin-left: 0pt; text-align: left;">Note 12.&#8195;Commitments and Contingencies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. There is no allowance for loan losses on unfunded commitments. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The contractual amounts of financial instruments with off-balance-sheet risk at June&#160;30, 2022 and December&#160;31, 2021 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June 30, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2022</div></td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.51%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.08%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commitments to make loans and unused lines of credit<font style="padding-left: 0.91pt;"></font></div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$40,240</div></td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.51%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.08%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.33pt; text-align: left;">$18,231</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the course of ordinary business, the Company is, from time to time, named a party to legal actions and proceedings, primarily related to collection of loans and foreclosed assets. In accordance with generally accepted accounting principles, the Company establishes reserves for litigation and regulatory matters when those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, the Company does not establish reserves. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">See subsequent events disclosure and pending litigation disclosure in Note 14. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;">Note 13.&#8195;Regulatory Matters</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">West Town Bank is subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate certain regulatory action that could have a direct material effect on the financial statements. Prompt corrective action provisions are not applicable to bank holding companies. The final rules implementing Basel Committee on Banking Supervision&#8217;s capital guidelines for U.S banks (Basel III rules) became effective for the Bank on January&#160;1, 2015 with full compliance with all of the requirements phased in over a multi-year schedule and fully phased in by January&#160;1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes the Bank meets all capital adequacy requirements to which it was subject as of June&#160;30, 2022 and December&#160;31, 2021.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-18<br></div></div></div>
<!--End Page 180-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 181-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_202-finnotes01_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements (Unaudited)</font><font style="font-weight: normal;"> </font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The Basel III Capital Rules require the Bank to maintain (i)&#160;a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5% plus a 2.5% &#8220;capital conservation buffer&#8221; which effectively results in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0%, (ii)&#160;a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer which effectively results in a minimum Tier 1 capital ratio of 8.5%, (iii)&#160;a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least 8.0%, plus the capital conservation buffer which effectively results in a minimum total capital ratio of 10.5% and (iv)&#160;a minimum leverage ratio of 4.0%, calculated as the ratio of Tier 1 capital to average quarterly assets. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At June&#160;30, 2022 and December&#160;31, 2021 actual capital levels and minimum required levels under the regulatory framework for prompt correction action regulations for West Town Bank were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">June&#160;30, 2022</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$51,706</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">16.78%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$32,351</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$<font style="padding-left: 0.37pt;">30,811</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.52%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">26,189</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">24,648</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.22%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">21,567</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">20,027</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">47,824</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.19%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">15,688</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">19,610</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$49,418</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">17.17%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$30,221</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$28,782</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">24,465</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">23,026</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">20,147</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">18,708</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 0.37pt;">11.46%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">15,982</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">19,978</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><a name="tNTCFS1"><!--Anchor--></a>West Town Bank was categorized as well-capitalized under prompt corrective action regulations at June&#160;30, 2022 and 2021. No conditions or events have occurred subsequent to the last regulatory rating that management believes has changed West Town Bank &amp; Trust&#8217;s classification under prompt corrective action regulations. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 14.&#8195;Subsequent Events</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Subsequent events are events or transactions that occur after the balance sheet date but before the consolidated financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the balance sheet date, including the estimates inherent in the process of preparing consolidated financial statements. Non-recognized subsequent events are events that provide evidence that conditions that did not exist at the balance sheet date but arose after that date. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">On August&#160;12, 2022, the Company and MVB Financial Corp. (&#8220;MVB&#8221;) jointly announced signing of a definitive merger agreement under which MVB has agreed to acquire the Company in an all-stock transaction.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During the third quarter of 2022, the Company established a $10.0&#160;million liability and expense for estimated settlement costs associated with certain litigation involving the Bank. The litigation, which is referred to as the &#8220;RESPA Litigation,&#8221; is described in more detail in the joint proxy statement/prospectus included with these unaudited consolidated financial statements &#8211; see the section of the joint proxy statement/prospectus entitled &#8220;Information About the Companies&#8212;IFH&#8212;Legal Proceedings.&#8221; </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-19<br></div></div></div>
<!--End Page 181-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 182-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><img style="height: 39px; width: 261px;" src="logo_elliottdavis.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; text-align: center;"><a name="tIAR"><!--Anchor--></a>Independent Auditor&#8217;s Report</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">To the Board of Directors and Shareholders<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Raleigh, North Carolina</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Opinion</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">We have audited the consolidated financial statements of Integrated Financial Holdings, Inc. and Subsidiaries (the&#160;&#8220;Company&#8221;), which comprise the consolidated balance sheets as of December&#160;31, 2021 and 2020, the related consolidated statements of income, comprehensive income, changes in shareholders&#8217; equity, and cash flows for the years then ended, and the related notes to the consolidated financial statements (collectively, the financial statements).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Company as of December&#160;31, 2021 and 2020, and the results of its operations and its cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13pt; margin-left: 0pt; text-align: left;">Basis for Opinion</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">We conducted our audits in accordance with auditing standards generally accepted in the United States of America (GAAS). Our responsibilities under those standards are further described in the Auditor&#8217;s Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audits. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Responsibilities of Management for the Financial Statements</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company&#8217;s ability to continue as a going concern within one year after the date that the financial statements are issued (or within one year after the date that the financial statements are available to be issued, when applicable).</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Auditor&#8217;s Responsibilities for the Audit of the Financial Statements</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor&#8217;s report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">In performing an audit in accordance with GAAS, we:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Exercise professional judgment and maintain professional skepticism throughout the audit.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-20<br></div></div></div>
<!--End Page 182-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 183-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company&#8217;s internal control. Accordingly, no such opinion is expressed.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company&#8217;s ability to continue as a going concern for a reasonable period of time.</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;"><a name="tIAR2"><!--Anchor--></a>We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control&#8211;related matters that we identified during the audit.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 15.25pt; margin-left: 0pt; text-align: left;"><img style="height: 65px; width: 191px;" src="sig_elliotdavis01.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Raleigh, North Carolina<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">March&#160;30, 2022</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-21<br></div></div></div>
<!--End Page 183-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 184-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCBS2"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Balance Sheets</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">As of December&#160;31, 2021 and 2020</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands, except share data)</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Assets<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash and due from banks<font style="padding-left: 2.54pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">3,803</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 10pt;">4,268</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing deposits with other institutions<font style="padding-left: 0.34pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">79,910</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">28,657</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total cash and cash equivalents<font style="padding-left: 3.26pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">83,713</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">32,925</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing time deposits<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,746</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,746</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Securities available for sale, at fair value<font style="padding-left: 4.54pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">20,671</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">15,721</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Marketable equity securities<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10.37pt;">11,988</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">9,990</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for sale<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">27,880</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">17,492</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">259,625</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">267,270</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Allowance for loan losses<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,547</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,144</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Loans held for investment, net<font style="padding-left: 2.27pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">254,078</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">262,126</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Premises and equipment, net<font style="padding-left: 0.04pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,174</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,658</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed assets<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">618</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,372</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing assets<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">3,993</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">3,456</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Bank owned life insurance<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,246</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">5,136</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest receivable<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,373</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,556</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Goodwill<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">13,161</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">13,161</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible assets<font style="padding-left: 0.31pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">6,399</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">7,037</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other assets<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">17,833</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">10,833</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total assets<font style="padding-left: 0.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$452,873</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$389,209</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liabilities and shareholders&#8217; equity<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Liabilities<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deposits:<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noninterest-bearing<font style="padding-left: 2.53pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 0.37pt;">114,313</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">80,854</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">233,843</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">220,036</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total deposits<font style="padding-left: 0.99pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">348,156</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">300,890</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Borrowings<font style="padding-left: 0.29pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">7,500</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">4,000</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest payable<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">326</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">427</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other liabilities<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15.74pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">9,111</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">7,169</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total liabilities<font style="padding-left: 1.55pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">365,093</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">312,486</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Shareholders&#8217; equity<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Common stock, voting, $1 par value, 9,000,000 shares authorized, 2,118,688 and 2,147,277 shares issued and outstanding at December&#160;31, 2021 and 2020, respectively<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15.37pt;">2,119</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,147</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-indent: -10pt; text-align: left;">Common stock, non-voting, $1 par value, 1,000,000 shares authorized, 21,740 shares issued and outstanding at December&#160;31, 2021 and 2020<font style="padding-left: 4.52pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">22</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt;">22</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Additional paid-in capital<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">23,720</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">24,365</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Retained earnings<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">62,810</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">50,079</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accumulated other comprehensive income (loss)<font style="padding-left: 3.14pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 24.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(99</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">271</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total Integrated Financial Holdings, Inc. shareholders&#8217; equity<font style="padding-left: 1.81pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">88,572</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">76,884</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noncontrolling interest<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(792</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 19.17pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(161</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total shareholders' equity<font style="padding-left: 1.57pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">87,780</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">76,723</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total liabilities and shareholders' equity<font style="padding-left: 3.26pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$452,873</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$389,209</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-22<br></div></div></div>
<!--End Page 184-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 185-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOI2"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Income</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December&#160;31, 2021 and 2020</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands except share and per share data)</div></td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.96%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest income<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest and fees on loans<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.5pt;">18,457</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.5pt;">17,486</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Investment securities &amp; deposits<font style="padding-left: 4.77pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">456</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">468</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total interest income<font style="padding-left: 1.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">18,913</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">17,954</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Interest expense<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on deposits<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">2,576</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">3,294</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest on borrowed funds<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 40pt; border-bottom: 1pt solid #000000; min-width: 45pt;">4</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">182</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total interest expense<font style="padding-left: 3.79pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">2,580</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">3,476</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net interest income<font style="padding-left: 2.53pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">16,333</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">14,478</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,946</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">4,460</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net interest income after provision for loan losses<font style="padding-left: 2.04pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">14,387</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">10,018</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest income<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government loan servicing and packaging revenue<font style="padding-left: 4.8pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">24,526</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">21,234</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Mortgage revenue<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">6,106</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">6,789</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Government lending revenue<font style="padding-left: 4.21pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">7,937</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">3,178</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">SBA documentation preparation fees<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">992</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">704</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing rights<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">537</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 35pt;">98</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other noninterest income<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,031</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,503</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total noninterest income<font style="padding-left: 1.56pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">41,129</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">33,506</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noninterest expense<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Compensation<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">23,652</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">19,016</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Occupancy and equipment<font style="padding-left: 4.2pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,181</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,042</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan related expenses<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,430</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">926</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Data processing expense<font style="padding-left: 1.99pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">899</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">696</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Advertising expense<font style="padding-left: 4.75pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,428</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">507</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Insurance expense<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">519</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">434</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Professional fees<font style="padding-left: 3.65pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">2,817</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">2,259</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Software<font style="padding-left: 1.41pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">6,587</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">3,377</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Communications<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">396</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">348</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Foreclosed asset expense, net<font style="padding-left: 2.28pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">822</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">1,800</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Directors fees<font style="padding-left: 0.87pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">721</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">657</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible amortization expense<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">698</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt;">745</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other noninterest expense<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,399</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,491</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total noninterest expense<font style="padding-left: 3.79pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">42,549</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">33,298</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income before income taxes<br></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">12,967</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">10,226</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Income tax expense<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">867</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">1,512</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net income<font style="padding-left: 0.3pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">12,100</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">8,714</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Net loss attributable to noncontrolling interest<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">631</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">162</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net income available to Integrated Financial Holdings, Inc.<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">12,731</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">8,876</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Basic earnings per common share<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">5.91</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.07</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted earnings per common share<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">5.71</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 22.5pt;">4.01</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Weighted average common shares outstanding<font style="padding-left: 3.37pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,153,700</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,178,653</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Diluted average common shares outstanding<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,228,663</font></div></td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.96%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,213,389</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-23<br></div></div></div>
<!--End Page 185-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 186-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCI2"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Comprehensive Income</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December&#160;31, 2021 and 2020</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.92%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="font-weight: normal; padding-left: 0.64pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$12,100</div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$8,714</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive income (loss):<br></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Unrealized gain (loss) during the period on available for sale securities, net of tax (benefit) expense of ($121) and $63, respectively<font style="padding-left: 2.65pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(370</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">182 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive income (loss):<font style="padding-left: 1.78pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(370</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">182</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Comprehensive income<font style="padding-left: 3.97pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5.37pt;">11,730</font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">8,896</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Comprehensive loss attributable to noncontrolling interest<font style="padding-left: 2.9pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 14.17pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">(631</font><font style="min-width: 32.5pt;">)</font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 9.17pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">(162</font><font style="min-width: 27.5pt;">)</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 10pt; text-align: left;">Comprehensive income attributable to Integrated Financial Holdings, Inc.<font style="font-weight: normal; padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$12,361</font></div></td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.92%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$9,058</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-24<br></div></div></div>
<!--End Page 186-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 187-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCISE2"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Changes in Shareholders&#8217; Equity</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December&#160;31, 2021 and 2020</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.61%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Common Stock <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">$1.00 par</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 6.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Additional <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Paid-in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Capital</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 9.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Comprehensive <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Income (Loss)</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 6.25%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Retained <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Earnings</div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 9.61%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Noncontrolling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Interest </div></td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td rowspan="2" style="width: 8.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shareholder&#8217;s <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Equity</div></td></tr><tr class="header"><td style="width: 30.77%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.29%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Voting</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.14%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 7pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non-voting</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at December&#160;31, 2019<font style="font-weight: normal; padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$2,166</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;">$22</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;">$24,245</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;">$<font style="padding-left: 7.49pt;">89</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$41,203</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;">$<font style="padding-left: 7.49pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;">$67,725</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 4.28pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 9pt;">8,876</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 4.5pt;">(162)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 9pt;">8,714</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive income<font style="padding-left: 4.32pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 7.49pt;">182</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 15.75pt;">182</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stock based compensation<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 15.75pt;">704</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 15.75pt;">704</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exercise of stock options<font style="padding-left: 3.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">9</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">41</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 20.25pt;">50</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Restricted stock vested<font style="padding-left: 2.3pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">13</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 20.25pt;">13</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Noncontrolling interest<font style="padding-left: 2.29pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 16.49pt;">1</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 24.75pt;">1</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Share repurchases and cancellations<font style="padding-left: 4.85pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.76pt; border-bottom: 1pt solid #000000; min-width: 24.75pt;">(41</font><font style="min-width: 24.75pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt; border-bottom: 1pt solid #000000; min-width: 13.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 12.76pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(625</font><font style="min-width: 29.25pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 12.76pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(666</font><font style="min-width: 29.25pt;">)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at December&#160;31, 2020<font style="font-weight: normal; padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 24.75pt;">$2,147</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 13.5pt;">$22</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$24,365</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$</font><font style="padding-left: 2.99pt; border-bottom: 3pt double #000000; min-width: 20.99pt;">271</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$50,079</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$(161</font><font style="min-width: 20.99pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$76,723</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt;">&#160;</div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income<font style="padding-left: 4.28pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 4.5pt;">12,731</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 4.5pt;">(631)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 4.5pt;">12,100</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other comprehensive loss<font style="padding-left: 1.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 4.5pt;">(370)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 12.76pt;">(370)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stock based compensation<font style="padding-left: 4.79pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 15.75pt;">806</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 15.75pt;">806</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Exercise of stock options<font style="padding-left: 3.8pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">24</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 15.75pt;">338</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 15.75pt;">362</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Restricted stock vested<font style="padding-left: 2.3pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.75pt;">22</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 20.25pt;">22</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Share repurchases and cancellations<font style="padding-left: 4.85pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.76pt; border-bottom: 1pt solid #000000; min-width: 24.75pt;">(74</font><font style="min-width: 24.75pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="padding-left: 4.5pt; border-bottom: 1pt solid #000000; min-width: 13.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="padding-left: 6.01pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(1,789</font><font style="min-width: 29.25pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.25pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="padding-left: 11.99pt; border-bottom: 1pt solid #000000; min-width: 20.99pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="padding-left: 6.01pt; border-bottom: 1pt solid #000000; min-width: 29.25pt;">(1,863</font><font style="min-width: 29.25pt;">)</font></div></td></tr><tr><td style="width: 30.77%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Balance at December&#160;31, 2021<font style="font-weight: normal; padding-left: 3.73pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.29%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 24.75pt;">$</font><font style="padding-left: 0.33pt; border-bottom: 3pt double #000000; min-width: 24.75pt;">2,119</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 9.97pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 13.5pt;">$22</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 1.33pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$23,720</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 12.76pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$</font><font style="padding-left: 4.5pt; border-bottom: 3pt double #000000; min-width: 20.99pt;">(99</font><font style="min-width: 20.99pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.25%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$62,810</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.61%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20.99pt;">$(792</font><font style="min-width: 20.99pt;">)</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 9pt; margin-top: 0pt; margin-left: 6.24pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 29.25pt;">$87,780</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-25<br></div></div></div>
<!--End Page 187-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 188-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_203-fintab02_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tCSOCF2"><!--Anchor--></a>Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Consolidated Statements of Cash Flows</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December&#160;31, 2021 and 2020</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;"><div class="rule-full" style="height: 0pt; width: 100%; border-bottom: 1pt solid #000000; margin-top: 1pt; margin-bottom: 1pt; margin-left: auto; margin-right: auto;"> </div></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from operating activities<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Net income<font style="padding-left: 0.3pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">12,100</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">8,714</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Adjustments to reconcile net income to net cash from operating activities:<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Depreciation expense<font style="padding-left: 0.32pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">357</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">237</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">1,946</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">4,460</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Amortization of premium on securities, net of accretion<font style="padding-left: 3.98pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">64</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">78</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Amortization of intangible assets<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">698</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">745</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Accretion of discounts on loans<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(1,684)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(2,019)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Originations of loans held for sale<font style="padding-left: 2.01pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">(220,404)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">(177,863)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Proceeds from sales of loans held for sale<font style="padding-left: 0.37pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">224,059</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">182,906</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net gains on sale of loans held for sale<font style="padding-left: 0.92pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">(14,043)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(9,967)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net loss on sale of foreclosed assets<font style="padding-left: 3.7pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">944</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">937</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net loss on sale and disposal of property and equipment<font style="padding-left: 0.93pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">94</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Stock-based compensation expense<font style="padding-left: 4.22pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">806</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">704</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Earnings on bank-owned life insurance<font style="padding-left: 2.57pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.87pt;">(110)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.87pt;">(115)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Revaluation of loan servicing rights<font style="padding-left: 0.88pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">(537)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt;">(98)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Changes in fair value on marketable equity securities<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(1,998)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Changes in assets and liabilities:<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Increase in other assets<font style="padding-left: 2.56pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(6,696)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">(5,841)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Increase in other liabilities<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">1,841</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">167</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Net cash provided by (used in) operating activities<font style="padding-left: 4.81pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">(2,563)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">3,045</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from investing activities<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Purchases of securities available-for-sale<font style="padding-left: 1.68pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">(10,325)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">(9,448)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from maturities and principal paydowns of securities available-for-sale<font style="padding-left: 3.96pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">4,820</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">4,991</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from maturities of interest-bearing time deposits<font style="padding-left: 0.38pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">1,000</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from sale of premises and equipment<font style="padding-left: 0.92pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 26.2pt;">511</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Decrease (increase) in loans, net<font style="padding-left: 4.53pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">7,786</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">(47,622)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Increase in FHLB stock, net<font style="padding-left: 1.72pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">(777)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Proceeds from sale of foreclosed assets<font style="padding-left: 1.48pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">810</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">2,749</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Purchases of premises and equipment<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">(478)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">(134)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Capitalized start-up costs<font style="padding-left: 4.76pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">(60</font><font style="min-width: 40.83pt;">)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net cash provided by (used in) investing activities<font style="padding-left: 0.91pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">4,064</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">(50,241)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash flows from financing activities<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Increase in deposits, net<font style="padding-left: 3.94pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">47,266</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">80,448</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Increase (decrease) in borrowings, net<font style="padding-left: 1.76pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">3,500</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">(14,595)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Stock option exercises and restricted stock vested<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">384</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">63</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noncontrolling interest<font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 35.83pt;">1</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Repurchase of common stock<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">(1,863</font><font style="min-width: 40.83pt;">)</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">(666</font><font style="min-width: 40.83pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Net cash provided by financing activities<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">49,287</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">65,251</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net change in cash and cash equivalents<font style="padding-left: 1.47pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">50,788</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 8.33pt;">18,055</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents, beginning<font style="font-weight: normal; padding-left: 4.47pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">32,925</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 40.83pt;">14,870</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash and cash equivalents, ending<font style="font-weight: normal; padding-left: 2.81pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 40.83pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 40.83pt;">83,713</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 40.83pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 40.83pt;">32,925</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Supplemental Disclosures of Cash Flow Information<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash paid during the period for interest<font style="padding-left: 0.34pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">2,681</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">3,478</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash paid during the period for taxes<font style="padding-left: 4.23pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">2,873</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 18.33pt;">2,604</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Supplemental Disclosure of Non-Cash Transactions<br></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 2pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Transfer of loans held for investment to foreclosed assets<font style="padding-left: 2.41pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 25.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 13.33pt;">2,688</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 9.47pt; margin-left: 0pt; text-align: left;">See Notes to Consolidated Financial Statements<br></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-26<br></div></div></div>
<!--End Page 188-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 189-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;"><a name="tNTCFS2"><!--Anchor--></a>Organization:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. (formerly West Town Bancorp, Inc. which is individually referred to herein as the &#8220;Parent Company&#8221; or &#8220;IFH&#8221; and together with all of its wholly-owned subsidiaries, collectively referred to as the &#8220;Company&#8221;) is a Federal Reserve Bank-registered financial holding company headquartered in Raleigh, North Carolina that provides a wide range of banking services tailored to the particular banking needs of the communities it serves. The Company&#8217;s wholly-owned subsidiary West Town Bank &amp; Trust (the &#8220;Bank&#8221;), is an Illinois state-chartered bank whose banking offices are located in Illinois and North Carolina and is principally engaged in the business of attracting deposits from the general public and using those deposits, together with other funding from its lines of credit, to make consumer and commercial loans. The Company&#8217;s other subsidiaries include West Town Insurance Agency, Inc., which offers insurance products, and Windsor Advantage, LLC (&#8220;Windsor&#8221;), which offers a Small Business Administration (&#8220;SBA&#8221;) and United States Department of Agriculture (&#8220;USDA&#8221;) loan servicing platform to its banking clients. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During 2019, the Company organized three additional wholly-owned subsidiaries: Glenwood Structured Finance, LLC, a North Carolina limited liability loan syndication company, SBA Loan Documentation Services, LLC, an Illinois limited liability company which offers SBA loan documentation preparation services for banks seeking to originate or acquire SBA loans, and Patriarch LLC, a North Carolina limited liability company used to hold foreclosed properties. In addition, the Company, through its subsidiary Windsor, acquired Meridian Loan Partners, LLC (&#8220;Meridian&#8221;), a limited liability company, on December&#160;31, 2019. Meridian combines technology with efficient processes and experienced staff to provide lenders with a fully-outsourced SBA loan origination and processing platform for SBA loans of $350,000 or less. In 2020, the Bank partnered with a new company, West Town Payments, LLC (&#8220;WTP&#8221;). While the Bank only owns a minority interest in WTP, it is considered the primary beneficiary of WTP and thus, WTP is consolidated in the Company&#8217;s financial statements. WTP provides physical point-of-sale, online, contactless and mobile payment solutions to both targeted and generalist verticals and is well-equipped with the experience and compliance-driven framework to work directly with the Bank&#8217;s hemp-related customers.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Bank&#8217;s primary deposit products are checking, savings, and time certificate accounts, and its primary lending products are residential mortgage, real estate, commercial, and consumer loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Additionally, West Town Bank &amp; Trust engages in mortgage banking activities and, as such, originates and sells one-to-four family residential mortgage loans. West Town Bank &amp; Trust also lends in multiple states through its government-guaranteed lending program, which focuses on SBA and USDA guaranteed loans. There are no significant concentrations of loans to any one industry or customer. However, the customers&#8217; ability to repay their loans is dependent on the real estate and general economic conditions in the area.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Basis of Presentation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The accompanying consolidated financial statements includes the accounts and transactions of the Company and all significant intercompany transactions and balances have been eliminated in consolidation.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20pt; margin-left: 0pt; text-align: left;">Use of Estimates</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The preparation of consolidated financial statements in conformity with generally accepted accounting principles (&#8220;GAAP&#8221;) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. On an ongoing basis, the Company evaluates its estimates, including those relating to the allowance for loan losses, determination of fair value of acquired assets and assumed liabilities, servicing assets, and valuation of goodwill and intangible assets.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-27<br></div></div></div>
<!--End Page 189-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 190-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Reclassifications</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Certain amounts in the 2020 consolidated financial statements have been reclassified to conform to the 2021 presentation. The reclassifications had no effect on net income or shareholders&#8217; equity as previously reported.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Business Combinations</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company accounts for its acquisitions under the Financial Accounting Standards Board (&#8220;FASB&#8221;) ASC Topic 805, Business Combinations, which requires the use of the acquisition method of accounting. This method requires the use of fair values in determining the carrying values of the purchased assets and assumed liabilities, which are recorded at fair value at acquisition date, and identifiable intangible assets which are recorded at fair value. Costs directly related to the business combinations are recorded as expenses as they are incurred. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Cash and Cash Equivalents</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the purposes of presentation in the statements of cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits in other banks. At times, the Company places deposits with high credit quality financial institutions in amounts which may be in excess of federally insured limits.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15.5pt; margin-left: 0pt; text-align: left;">Securities Available for Sale</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Investment in debt securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company evaluates securities for other-than-temporary impairment (&#8220;OTTI&#8221;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, the Company considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. The Company also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15.5pt; margin-left: 0pt; text-align: left;">Equity Securities</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Marketable equity securities are recorded on a trade date basis and measured at fair value. Realized and unrealized gains and losses are determined by specific identification and are included in noninterest income. Non-marketable equity securities are securities with no readily determinable fair values and are measured at cost. The Company evaluates its non-marketable equity securities for impairment and recoverability of the recorded investment by considering positive and negative evidence, including the profitability and asset quality of the issuer, dividend payment history and recent redemption experience. Impairment is assessed at each reporting period and if identified, is recognized in noninterest expense. The Company held no non-marketable equity securities at December&#160;31, 2021 and 2020. The Company&#8217;s marketable equity securities at December&#160;31, 2021 were $12.0&#160;million and represent an investment in another Bank operating in North Carolina as Dogwood State Bank. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-28<br></div></div></div>
<!--End Page 190-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 191-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Loans Held for Sale</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Loans Held for Investment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company classifies all loans past due when the payment of principal and/or interest based upon contractual terms is greater than 30 days delinquent. When commercial loans are placed on nonaccrual status as described below, a charge-off is recorded, as applicable, to decrease the carrying value of such loans to the estimated fair value of the collateral securing the loan. Consumer loans are placed on nonaccrual status at a specified delinquency date consistent with regulatory guidelines. As such, consumer loans are subject to collateral valuation and charge-off, as applicable, when they are moved to nonaccrual status. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower&#8217;s cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for consumer loans is discontinued when loans reach specific delinquency levels.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div><div class="h5" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 20pt; margin-left: 0pt; text-align: left;"><u>Nonperforming Loans</u></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company considers a loan impaired, based on current information and events, if it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. All impaired loans are measured based on the present value of the expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price, or at the fair value of the collateral if the loan is collateral dependent.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company uses several factors in determining if a loan is impaired. Internal asset classification procedures include a thorough review of significant loans and lending relationships and include the accumulation of related data. This data includes loan payment status and the borrowers' financial data, cash flows, operating income or loss, and other factors. These discounted cash flow analyses incorporate adjustments to future cash flows that reflect management&#8217;s best estimate based on a combination of historical experience and management judgment.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans are generally classified as nonaccrual if they are past due as to maturity or payment of principal or interest for a period of more than ninety (90) days, unless such loans are well-secured and in the process of collection. If a loan or a portion of a loan is classified as doubtful or is partially charged off, the loan is generally classified as nonaccrual. Loans that are on a current payment status or past due less than ninety (90) days may also be classified as nonaccrual if repayment in full of principal and/or interest is in doubt.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans may be returned to accrual status when all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within an acceptable period of time and there is a sustained period of repayment performance (generally, a minimum of six months) by the borrower in accordance with the contractual terms of interest and principal.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-29<br></div></div></div>
<!--End Page 191-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 192-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">While a loan is classified as nonaccrual and the future collectability of the recorded loan balance is doubtful, collections of interest and principal are applied as a reduction to principal outstanding. When future collection of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.</div><div class="h5" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 16.5pt; margin-left: 0pt; text-align: left;"><u>Restructurings</u> </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Modifications to a borrower&#8217;s debt agreement is considered a troubled debt restructuring (&#8220;TDR&#8221;) if a concession is granted for economic or legal reasons related to a borrower&#8217;s financial difficulties that otherwise would not be considered. TDRs are undertaken in order to improve the likelihood of recovery on the loan and may take the form of modifications made with the stated interest rate lower than the current market rate for new debt with similar risk, modifications to the terms and conditions of the loan that fall outside of normal underwriting policies and procedures, or a combination of these modifications. Modifications of covered and other acquired loans that are part of a pool accounted for as a single asset are not considered TDRs. TDRs can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accruing status, depending on the individual facts and circumstances of the borrower.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 16.5pt; margin-left: 0pt; text-align: left;">COVID-19 Pandemic Impact</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company has provided short-term deferrals of loan principal and/or interest payments for customers who have been affected by the COVID-19 pandemic. Customers receiving payment deferrals must meet certain criteria, such as being in good standing and not more than 30 days past due prior to the pandemic. In most cases, the deferred principal and/or interest amounts will be collected at the end of the life of the loan and will not accrue additional interest. The granting of a deferral of principal and/or interest under the Coronavirus Aid, Relief, and Economic Security (&#8220;CARES&#8221;) Act, which was enacted on March&#160;27, 2020, and based on interagency guidelines, does not subject the loan to the past due, nonaccrual, or TDR policies described below. Upon exiting the loan modification deferral program, the measurement of loan delinquency will resume based on the number of days of delinquency at the date of modification. The following discussions of past due, nonaccrual and TDR policies remain valid for situations not covered by the CARES Act.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">Outstanding portfolio loans deferred due to COVID-19 at December&#160;31, 2021, are shown in the table below: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.12%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 35.19%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Deferred Loans</div></td></tr><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 9.12%; text-align: center; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 17.03%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">High Point</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.96%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">At 12/31/21</div></td></tr><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(dollars in thousands)</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.12%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total Loans<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Outstanding</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;"># of Loans<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Deferred</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.1%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;"># of Loans<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Deferred</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.58pt; text-align: left;">$143,182</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$26,831</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.93pt; text-align: left;"><font style="padding-left: 5pt;">52</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$1,575</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.43pt; text-align: left;"><font style="padding-left: 5pt;">6 </font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Real Estate:<br></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.58pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">38,250</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.93pt; text-align: left;"><font style="padding-left: 5pt;">56</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,158</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.43pt; text-align: left;"><font style="padding-left: 5pt;">2 </font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.58pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">6,939</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.93pt; text-align: left;"><font style="padding-left: 5pt;">34</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">850</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.43pt; text-align: left;"><font style="padding-left: 5pt;">4 </font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer <font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.58pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">4</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.93pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 15pt;">1</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.43pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 10pt;">&#8212; </font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.58pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$72,024</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.93pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">143</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$3,583</font></div></td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.1%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.43pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 10pt;">12</font></div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Allowance for Loan Losses</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The allowance for loan losses (&#8220;ALL&#8221;) is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-30<br></div></div></div>
<!--End Page 192-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 193-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">borrower situations, estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, should be charged off.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company conducts an analysis of the loan portfolio on a regular basis. This analysis is used in assessing the sufficiency of the allowance for loan losses and in the determination of the necessary provision for loan losses. The review process generally begins with the identification of problem loans to be reviewed on an individual basis for impairment. When a loan has been identified as impaired, a specific reserve may be established based on the Company&#8217;s calculation of the loss embedded in the individual loan. In addition to specific reserves on impaired loans, the Company has a nine-point grading system for each non-homogeneous loan in the portfolio to reflect the risk characteristic of the loan. The loans identified and measured for impairment are segregated from risk-rated loans within the portfolio. Loans are then grouped by loan type and by risk rating. Each loan type is assigned an allowance factor based on historical loss experience, economic conditions and overall portfolio quality including delinquency rates and concentrations. The ALL is an accounting estimate and as such there is uncertainty associated with the estimate due to the level of subjectivity and judgment inherent in performing the calculation. Management&#8217;s evaluation of the ALL also includes considerations of existing general economic and business conditions affecting the key lending areas of the Company, credit quality trends, collateral values, loan volumes and concentrations, seasoning of the loan portfolio, specific industry conditions within portfolio segments, recent loss experience in particular segments of the portfolio, duration of the current business cycle, regulatory examination results and findings of the Company's outsourced loan review consultants. The total of specific reserves required for impaired classified loans and the calculated reserves comprise the allowance for loan losses.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered TDRs and classified as impaired.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or at the fair value of collateral, less estimated selling costs, if repayment is expected solely from the collateral. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The general component covers loans that are collectively evaluated for impairment. The general allowance component also includes loans that are not individually identified for impairment evaluation, such as commercial loans as well as those loans that are individually evaluated but are not considered impaired. The general component is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans (including troubled debt restructurings); levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; industry conditions; and effects of changes in credit concentration. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-31<br></div></div></div>
<!--End Page 193-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 194-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">The following portfolio segments have been identified: commercial, real estate and consumer. The following provides a summary of the risks associated with the various segments of the Company&#8217;s loan portfolio, which are factors management regularly considers when evaluating the adequacy of the allowance:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Commercial loans are dependent on the strength of the industries of the related borrowers and the success of their businesses. Commercial loans are advanced for equipment purchases or to provide working capital to meet other financing needs of the business. These loans may be secured by accounts receivable, inventory, equipment or other business assets. Financial information is obtained from the borrower to evaluate the debt service coverage and ability to repay the loans.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Commercial real estate loans are dependent on the industries tied to these loans as well as the local commercial real estate market, including available commercial real estate inventories, market demand and time to sell. The loans are secured by the real estate, and appraisals are obtained to support the loan amount. An evaluation of the entity&#8217;s cash flows is performed to evaluate the borrower&#8217;s ability to repay the loan.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Residential real estate and home equity loans are affected by the local residential real estate market, the local economy, and movement in interest rates. The Company evaluates the borrower&#8217;s repayment ability through a review of credit scores and debt to income ratios. Appraisals are obtained to support the loan amount.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consumer loans are dependent on the local economy. Consumer loans are generally secured by consumer assets, but may be unsecured. The Company evaluates the borrower&#8217;s repayment ability through a review of credit scores and an evaluation of debt to income ratios.</div></td></tr></table><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;">Loan Servicing Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">When loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect included in noninterest income. Fair value is based on market prices for comparable servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Under the fair value measurement method, the Company measures servicing rights at fair value at each reporting date and reports changes in fair value of servicing assets in earnings in the period in which the changes occur, and are included with noninterest income on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Servicing fee income, which is reported in the consolidated statements of income as other income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal; or a fixed amount per loan and are recorded as income when earned. Late fees and ancillary fees related to loan servicing are not material.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;">Transfers of Financial Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 17pt; margin-left: 0pt; text-align: left;">Premises and Equipment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation and amortization are computed using the straight-line method over the estimated useful lives </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-32<br></div></div></div>
<!--End Page 194-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 195-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">of the respective assets, which are 40&#160;years for buildings and 3 to 10&#160;years for furniture, fixtures and equipment. Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12.5pt; margin-left: 0pt; text-align: left;">Foreclosed Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Foreclosed assets are held for sale and are initially recorded at estimated fair value less cost of disposal at the date of foreclosure, establishing a new cost basis. When property is acquired, the excess, if any, of the loan balance over estimated fair value is charged to the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in valuation are included in foreclosed asset expense as a component of noninterest expense. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Federal Home Loan Bank (&#8220;FHLB&#8221;) Stock</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">West Town Bank &amp; Trust is a member of the FHLB of Chicago. As a member, the Company is required to own a certain amount of stock based upon the amount of outstanding FHLB borrowings. This stock does not have a readily determinable fair value and is carried at cost in other assets. FHLB stock was $1.4&#160;million at December&#160;31, 2021 and 2020.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Bank Owned Life Insurance</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company has purchased life insurance policies on certain current and past key employees where the insurance policy benefits and ownership are retained by the employer. These policies are recorded at their cash surrender value. Income from these policies and changes in the net cash surrender value are recorded in non-interest income as earnings on bank-owned life insurance. The cash value accumulation is permanently tax deferred if the policy is held to the insured person&#8217;s death and certain other conditions are met.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Derivative Instruments</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting designation. Derivatives used to hedge the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. The Company has several loan level hedges that qualify for hedge accounting. Accordingly, changes in fair value of these derivative instruments are included in comprehensive income in the Consolidated Statements of Comprehensive Income. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s objective in using derivatives is to add stability to net interest income and to manage its exposure to adverse changes in interest rates. To accomplish this objective, the Company uses interest rate swaps as part of its interest rate risk mitigation strategy. In addition, the Company issues rate lock commitments to borrowers on prices quoted by secondary market investors. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Loan Commitments and Related Financial Instruments </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Financial instruments include off-balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Goodwill and Other Intangible Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill. The customer list arising from the Windsor acquisition is amortized on a straight-line method over its </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-33<br></div></div></div>
<!--End Page 195-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 196-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">estimated useful life. The trade name intangible arising from the Windsor acquisition is not amortized. The Company reviews long-lived assets and other intangible assets for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Goodwill is not amortized and is tested for impairment at least annually, or more frequently if events and circumstances exists that indicate that a goodwill impairment test should be performed. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value. If the calculated fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and no further testing is considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues by comparing the carrying value of the reporting unit&#8217;s goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Leases</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company leases certain locations and administrative offices. Operating lease right-of-use (&#8220;ROU&#8221;) assets are included in other assets and the associated lease obligations are included in other liabilities. Leases with an initial term of 12 months or less are not recorded on the Consolidated Balance Sheets. For those leases, the Company recognizes lease expense on a straight-line basis over the lease term.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">ROU assets represent the right to use an underlying asset for the lease term and lease liabilities represent the corresponding obligation to make lease payments arising from the lease. Operating ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. The operating lease ROU assets also include initial direct costs and pre-paid lease payments made, excluding lease incentives. As most leases do not provide an implicit rate, the Company uses its incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The incremental borrowing rate is determined using secured rates for new FHLB advances under similar terms as the lease at inception. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Most leases include one or more options to renew. The exercise of lease renewal options is at management&#8217;s discretion. When it is reasonably certain the Company will exercise its option to renew or extend the lease term, the option is included in calculating the value of the ROU asset and lease liability. The depreciable life of assets and leasehold improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Management determines if an arrangement is a lease at inception. The lease agreements do not contain any material residual value guarantees or material restrictive covenants. In addition, the Company does not lease any properties or facilities from any related party. As of December&#160;31, 2021, there were no leases that have not yet commenced that would have a material impact on the consolidated financial statements. See Note 7, Leases, for additional disclosures.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Revenue Recognition from Contracts </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The implementation of ASC 606 did not have a material impact on the measurement or recognition of revenue. ASC 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities, which comprise the majority of the Company&#8217;s revenue. In addition, certain noninterest income streams such as fees associated with sales of government guaranteed loans, mortgage servicing rights, financial guarantees, and derivatives are also not in the scope of the new guidance. Topic 606 is applicable to noninterest </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-34<br></div></div></div>
<!--End Page 196-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 197-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">revenue streams such as deposit related fees, interchange fees, server packaging fees, and sale transactions related to foreclosed real estate. However, the recognition of these revenue streams did not change significantly upon adoption of ASC 606. Substantially all the Company&#8217;s revenue is generated from contracts with customers. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During the years ended December&#160;31, 2021 and 2020, the Company recognized the service charge revenue generated from contracts with Bank customers totaling $243,000 and $65,000, respectively. All other sources of revenues from contracts with Bank customers were determined to be immaterial as of December&#160;31, 2021 and 2020. The service charge revenue generated from contracts with Bank customers is noninterest income and relates to fees charged on deposit accounts and certain loan fees. The revenues generated from each of these contracts are recognized when a performance obligation is met, and each obligation is associated with a transaction tied to the account or the opening of the account. Given each of these accounts are transactional and the contract is a day-to-day contract, the performance obligations on these accounts occur when the contract provision is triggered on the account, which results in the related service charge. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The service charge revenues from Windsor customers is noninterest income and relates to fees charged for servicing, processing or packaging loans on a month-to-month basis. The revenues generated from each of these contracts are recognized when a performance obligation is met and each obligation is associated with a specific loan account. Windsor&#8217;s contracts are with other financial institutions and are month-to-month in term. Servicing fees for Windsor were $5.1&#160;million and $4.4&#160;million during the years ended December&#160;31, 2021 and 2020, respectively. Processing fees for Windsor were $19.4&#160;million and $15.8&#160;million during the years ended December&#160;31, 2021 and 2020, respectively of which $14.3&#160;million and $13.5&#160;million specifically related to the SBA Paycheck Protection Program (&#8220;PPP&#8221;). Packaging fees for Windsor were $48,000 and $246,000 during the years ended December&#160;31, 2021 and 2020, respectively. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Given each of these accounts are transactional and the contract is a month-to-month contract, the performance obligations on these accounts occur when the contract provision is triggered on the account, which results in the related service charge. Based on the Company&#8217;s analysis, there are no fees generated for opening an account or for a service on the account where the good or service has not been transferred or prior to the performance obligation being met.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There were no impairment losses recognized on any receivables or contract assets arising from the Company&#8217;s contracts with customers during the years ended December&#160;31, 2021 and 2020.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of December&#160;31, 2021, the Company did not have material amounts of receivables, contract assets or contract liabilities tied to these contracts with customers. The Company believes that while loan and deposit accounts generate service charge income, these contracts do not create receivables, assets or liabilities given the fees associated with these service charges are typically charged and collected once the performance obligation is triggered. In addition, during the years ended December&#160;31, 2021 and 2020, the Company did not recognize revenue that was included in any contract liabilities and no revenues were recognized related to performance obligations satisfied in prior reporting periods.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company analyzes its payment streams associated with contracts with customers on a quarterly basis. As of December&#160;31, 2021, the nature of the performance obligations within the contracts generating these service charges on deposit and loan accounts have a duration of one year or less. Also, based on the Company&#8217;s analysis and the nature of the contracts discussed within this Note, it was determined that there are no significant judgments associated with the recognition of revenue associated with these contracts. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Based on the Company&#8217;s analysis, each of the service charge revenues discussed above are associated with the transfer of services through administration of the customer&#8217;s deposit account or through origination or modification of a customer&#8217;s loan. These charges occur at a point in time and are based on an agreed-upon, fixed amount that is disclosed in the customer&#8217;s contract and are charged to the customer when the related service is performed on the customer&#8217;s account. In addition, based on the Company&#8217;s analysis, none of the contracts discussed above required a material cost to obtain or fulfill the contract, which resulted in no capitalized assets associated with these contracts as of December&#160;31, 2021 and 2020.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-35<br></div></div></div>
<!--End Page 197-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 198-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Stock-Based Compensation</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used for restricted stock awards.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Earnings Per Share</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Basic earnings per common share is computed using the weighted average number of common shares and participating securities outstanding during the reporting period. Diluted earnings per common share is the amount of earnings available to each share of common stock during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares are excluded from the computation of dilutive earnings per share in the periods in which the effect would be anti-dilutive. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Income Taxes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Deferred income taxes are recognized for the tax consequences of temporary differences between financial statement carrying amounts and the tax bases of existing assets and liabilities that will result in taxable or deductible amounts in future years. These temporary differences are multiplied by the enacted income tax rate expected to be in effect when the taxes become payable or receivable. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced, if necessary, by the amount of such benefits that are not expected to be realized based on available evidence.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Comprehensive Income</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on debt securities available for sale, which are also recognized as separate components of equity.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Loss Contingencies</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. See Note 12 for further discussion on loss contingencies. </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Dividend Restriction </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Company to shareholders. There were no dividend restrictions on the Company or its subsidiaries as of December&#160;31, 2021 and December&#160;31, 2020.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Fair Value of Financial Instruments</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 17. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.</div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Advertising Expenses</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Advertising costs are expensed as incurred. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-36<br></div></div></div>
<!--End Page 198-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 199-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 1.&#8195;Summary of Significant Accounting Policies<font style="padding-left: 4pt;">(continued)</font><br></div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Recent Accounting Pronouncements </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In June 2016, the FASB issued Accounting Standard Update (&#8220;ASU&#8221;) 2016-13, Financial Instruments&#8212;Credit Losses (Topic 326). The guidance is to replace the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (&#8220;CECL&#8221;) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. In November of 2019, the FASB approved a proposal to defer implementation of the CECL model by smaller reporting companies and non-SEC filer public business entites to January&#160;1, 2023. The Company plans to apply the amendments to the ASU through a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. The Company is currently in the process of evaluating the impact of adoption of this guidance on the financial statements.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument- by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. The amendments will be effective for the Company for fiscal years beginning after December&#160;15, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments are effective upon issuance of this final ASU. Early application is permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its financial statements.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company&#8217;s financial position, results of operations or cash flows.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 17.5pt; margin-left: 0pt; text-align: left;">Note 2. &#8195;Earnings per Share</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Basic earnings per common share is computed using the weighted average number of common shares and participating securities outstanding during the reporting period. Diluted earnings per common share is the amount of earnings available to each share of common stock during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options and warrants. Potentially dilutive common shares are excluded from the computation of dilutive earnings per share in the periods in which the effect would be anti-dilutive. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The Company's basic and diluted earnings per share calculations are presented in the following table:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 71.79%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands except share and per share data)</div></td><td class="gutter" style="width: 2.24%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.24%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.24%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.24%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net income attributable to IFH, Inc.<font style="padding-left: 0.78pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.5pt;">12,731</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 17.5pt;">8,876 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted average common shares &#8211; basic<font style="padding-left: 2.16pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,153,700</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">2,178,653 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Add: Effect of dilutive stock options<font style="padding-left: 3.17pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">61,210</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">34,272 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Add: Effect of dilutive restricted stock awards<font style="padding-left: 3.77pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 45pt;">13,753</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 30pt; border-bottom: 1pt solid #000000; min-width: 45pt;">464 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted average common shares &#8211; dilutive<font style="padding-left: 2.15pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2,228,663</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 45pt;">2,213,389 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Basic earnings per common share<font style="padding-left: 0.23pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">5.91</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">4.07 </font></div></td></tr><tr><td style="width: 71.79%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Diluted earnings per common share<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">5.71</font></div></td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.24%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.62%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 45pt;">$</font><font style="padding-left: 22.5pt; border-bottom: 3pt double #000000; min-width: 45pt;">4.01</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-37<br></div></div></div>
<!--End Page 199-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 200-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 3.&#8195;Investment Securities</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The amortized cost, unrealized gains, unrealized losses, and fair values of available-for-sale investment and marketable equity securities at December&#160;31, 2021 and December&#160;31, 2020 are as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">243</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;">$<font style="padding-left: 17.5pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">246</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">20,007</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 12.5pt;">192</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">323</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">19,876</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">546</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,796</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 7.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">198</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$323</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,671</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.84pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,998</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 0.37pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">11,988</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 38.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 58.98%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Cost</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gains</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Losses</div></td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.2%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment securities available for sale:<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 2.97pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;">$<font style="padding-left: 12.5pt;">345</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;">$<font style="padding-left: 10pt;">3</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;">$<font style="padding-left: 12.5pt;">348</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 5pt;">14,157</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 5pt;">384</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="padding-left: 5pt;">23</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 5pt;">14,518</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">853</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 20pt;">2</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">855</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities available for sale<font style="padding-left: 1.5pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,355</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$389</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$23</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,721</font></div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Investment in marketable equity securities<br></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 58.98%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.09pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.2%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.9pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">9,990</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table provides the unrealized gains on marketable equity securities arising during the year ended December&#160;31, 2021 and 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.43%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.34%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity security gains<font style="padding-left: 4.22pt;"></font></div></td><td class="gutter" style="width: 2.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$&#8195;1,998</font></div></td><td class="gutter" style="width: 2.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.43%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.34%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 25pt;">$&#8195;&#8212;</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables summarize securities with unrealized losses at December&#160;31, 2021 and 2020, aggregated by major security type and length of time in a continuous unrealized loss position:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 57.15%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.46%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 17.7%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 17.34%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 41.03%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.12%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.5%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.13%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities <font style="padding-left: 1.76pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.94pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.13pt;">$ 11,865</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.89pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$ 230</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.37pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$ 2,548</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.51pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$ 93</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$ 14,413</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 20pt;">$ 323</font></div></td></tr><tr><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total <font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.12%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$ 11,865</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.5%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.89pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$ 230</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$ 2,548</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.13%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$ 93</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 1.46pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$ 14,413</font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$ 323</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-38<br></div></div></div>
<!--End Page 200-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 201-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 3.&#8195;Investment Securities<font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Less than twelve months</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Twelve months or more</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.71%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.57%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair value</div></td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.27%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unrealized <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">losses</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities <font style="padding-left: 1.66pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.74pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$ 3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.87pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$ 23</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.1pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$ &#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$ &#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">$ 3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.59pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 10pt;">23</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total <font style="padding-left: 1.76pt;"></font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.74pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$ 3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.71%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.87pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$ 23</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.1pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$ &#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.33%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$ &#8212;</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.57%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.96pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$ 3,013</font></div></td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.27%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.94%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.59pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 10pt;">23</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The fair values of investment securities available for sale at December&#160;31, 2021 by contractual maturity are shown below. Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations.</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 51.28%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.1%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">1 Year</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After One <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Five Years</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After Five <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Within <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ten Years</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">After <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ten Years</div></td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.41%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities <font style="padding-left: 3.64pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.42pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;">$54</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;">$<font style="padding-left: 12.5pt;">192</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 12.5pt;">246</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 4.74pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.42pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="padding-left: 5pt;">74</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="padding-left: 5pt;">19,802</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">19,876</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obligations<font style="padding-left: 3.06pt;"></font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.42pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.1%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.42pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.72%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.57pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$54</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.56%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.19pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$74</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,543</font></div></td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.41%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,671</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Management considers the nature of the investment, the underlying causes of the decline in the market value and the severity and duration of the decline in market value in determining if impairment is other than temporary. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Securities classified as available-for-sale are recorded at fair market value. At December&#160;31, 2021, there was one&#160;security classified as available-for-sale in an unrealized loss position for twelve months or more. No impairment loss has been realized in the Company's consolidated income statement.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of December&#160;31, 2021, investments with amortized costs and fair values of $723,000 and $760,000, respectively, were pledged. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company had one holding of securities of one issuer other than the U.S. government and its agencies in an amount greater than 10% of shareholders&#8217; equity at December&#160;31, 2021 and 2020. That investment was associated with the deconsolidation of Sound Bank in 2019. Sound Bank is now doing business as Dogwood State Bank. The investment is carried on the balance sheet in marketable equity securities. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">For the year ended December&#160;31, 2021 and 2020, there were no sold securities. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Loans held for investment at December&#160;31, 2021 and 2020 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$143,182</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$144,878</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Real Estate:<br></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Commercial real estate<font style="padding-left: 3.66pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">81,591</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Residential real estate<font style="padding-left: 3.1pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">38,913</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 1.4pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">159</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Subtotal<font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">257,716</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">265,541</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-39<br></div></div></div>
<!--End Page 201-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 202-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg14"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment<font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 10.25pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 76.92%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.76%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Net deferred loan costs<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,909</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">1,729</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses<font style="padding-left: 1.44pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,547</font><font style="min-width: 37.5pt;">)</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 11.67pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">(5,144</font><font style="min-width: 37.5pt;">)</font></div></td></tr><tr><td style="width: 76.92%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment, net <font style="padding-left: 3.94pt;"></font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$254,078</font></div></td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.76%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$262,126</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Included above, the Company has SBA loans totaling $64.3&#160;million and $70.6&#160;million and USDA loans totaling $91.4&#160;million and $87.8&#160;million at December&#160;31, 2021 and 2020, respectively. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables present the activity in the allowance for loan losses by class of loans for the year ended December&#160;31, 2021 and 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 59.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.9%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Beginning balance<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$<font style="padding-left: 10pt;">2,337</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$<font style="padding-left: 5pt;">2,371</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;">$<font style="padding-left: 12.5pt;">338</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">94</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;">$<font style="padding-left: 5pt;">4</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10pt;">5,144</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,874</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 17.5pt;">203</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 19.17pt;">(64)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 5pt;">(91)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt;">24</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,946</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Charge-offs <font style="padding-left: 1.78pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 11.67pt;">(1,248)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 14.17pt;">(355)</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 11.67pt;">(1,603)</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Recoveries<font style="padding-left: 3.08pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">60</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">60</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Ending Balance<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">3,023</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,219</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">274</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">3</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$28</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,547</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ending Balances:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">234</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">234</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">2,789</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">2,219</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">274</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">3</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$28</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">5,313</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans Held for Investment:<br></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Ending balance, total<font style="padding-left: 1.14pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$143,182</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$79,394</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$35,066</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">74</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">1,168</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">5,858</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">537</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">7,563</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 37.5pt;">$142,014</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$73,536</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.52pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">$34,529</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.61pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">74</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.94pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.9%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 37.5pt;">$250,153</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 59.5%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Allowance for loan losses:<br></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Beginning balance<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;">$1,828</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;">$<font style="padding-left: 3.33pt;">1,596</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;">$331</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;">$<font style="padding-left: 8.33pt;">9</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;">$<font style="padding-left: 3.33pt;">73</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 3.33pt;">3,837 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Provision for loan losses<font style="padding-left: 1.43pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="padding-left: 12.5pt;">795</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="padding-left: 8.33pt;">3,567</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="padding-left: 10pt;">68</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="padding-left: 8.33pt;">99</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="padding-left: 5pt;">(69)</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 8.33pt;">4,460 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Charge-offs<font style="padding-left: 0.11pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="padding-left: 9.17pt;">(331)</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="padding-left: 5pt;">(2,792)</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="padding-left: 6.67pt;">(61)</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="padding-left: 5pt;">(15)</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="padding-left: 8.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">(3,199)</font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Recoveries<font style="padding-left: 3.08pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">45</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="padding-left: 13.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">1</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="padding-left: 8.33pt; border-bottom: 1pt solid #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">46 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Ending Balance<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,337</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">2,371</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$338</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">94</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">4</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">5,144 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Ending Balances:<br></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">87</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 10.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">282</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 10.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">369 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,250</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.61pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">2,089</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.76pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$338</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.6pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">94</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 11.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 18.33pt;">$</font><font style="padding-left: 8.33pt; border-bottom: 3pt double #000000; min-width: 18.33pt;">4</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">4,775 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-40<br></div></div></div>
<!--End Page 202-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 203-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg15"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment<font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 10.25pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 59.5%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.73%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unallocated</div></td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.02%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans Held for Investment:<br></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Ending balance, total <font style="padding-left: 2.81pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$144,878</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$81,591</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$38,913</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$159</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.93pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 6.59%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -6.67pt; text-align: justify;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$265,541 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Individually evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 17.5pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">847</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">7,850</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">770</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.93pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -6.67pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$</font><font style="padding-left: 10pt; border-bottom: 3pt double #000000; min-width: 37.5pt;">9,467 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Collectively evaluated for impairment<font style="padding-left: 2.55pt;"></font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$144,031</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$73,741</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$38,143</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$159</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.73%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 12.93pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.02%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -6.67pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$256,074</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following tables present information related to impaired loans by class of loans recorded at December&#160;31, 2021 and 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 66.67%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Recorded <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Investment</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unpaid <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Contractual <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Principal <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.46%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allocated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allowance</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">December&#160;31, 2021<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans without a specific valuation allowance:<br></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;">$<font style="padding-left: 7.5pt;">517</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;">$<font style="padding-left: 7.5pt;">502</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212; </font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 0.66pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 5pt;">5,858</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 5pt;">5,861</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212; </font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Residential real estate<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">537</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212; </font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans with a specific valuation allowance:<font style="padding-left: 4.57pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 0.07pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">651</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">651</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 20pt;">234 </font></div></td></tr><tr><td style="width: 66.67%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,563</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,551</font></div></td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.46%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$234</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 69.23%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)<br></div></td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Recorded <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Investment</div></td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unpaid <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Contractual <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Principal <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Balance</div></td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.03%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allocated <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Allowance</div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">December&#160;31, 2020<br></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans without a specific valuation allowance:<br></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 2.07pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;">$<font style="padding-left: 7.5pt;">170</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;">$<font style="padding-left: 7.5pt;">172</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212; </font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 2.66pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 5pt;">6,582</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 5pt;">6,631</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212; </font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Residential real estate<font style="padding-left: 2.1pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt;">770</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">769</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212; </font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans with a specific valuation allowance:<br></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial<font style="padding-left: 2.07pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 12.5pt;">677</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 12.5pt;">694</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">87 </font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Commercial real estate<font style="padding-left: 2.66pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,268</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,268</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 20pt;">282 </font></div></td></tr><tr><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Total<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.16%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.36pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$9,467</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.91pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$9,534</font></div></td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.03%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$369</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-41<br></div></div></div>
<!--End Page 203-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 204-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg16"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">The following tables present the aging of the recorded investment in past due loans by class of loans as of December&#160;31, 2021 and 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 33.33%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.41%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">30 &#8211; 59 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.41%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">60 &#8211; 89 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Greater <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">than 90 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non- <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accrual</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Current</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Loans</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">December&#160;31, 2021<br></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;">$<font style="padding-left: 5pt;">19</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$1,170</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$1,189</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$141,993</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$143,182</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial real estate<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">5,309</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">5,309</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">74,085</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">79,394</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Residential real estate<font style="padding-left: 4.1pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 5pt;">279</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 5pt;">204</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">370</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">853</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">34,213</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">35,066</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">74</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$298</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$204</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,849</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$7,351</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$250,365</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 33.33%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.41%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">30 &#8211; 59 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.41%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">60 &#8211; 89 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Greater <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">than 90 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Days <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Non- <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accrual</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Past <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Due</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Current</div></td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Loans</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">December&#160;31, 2020<br></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial<font style="padding-left: 4.07pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;">$27</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">694</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 7.5pt;">721</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$144,157</div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$144,878</div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commercial real estate<font style="padding-left: 4.66pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">7,667</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">7,667</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">73,924</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">81,591</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Residential real estate<font style="padding-left: 4.1pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 5pt;">313</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">145</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 12.5pt;">458</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">38,455</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt;">38,913</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consumer<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">159</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">159</font></div></td></tr><tr><td style="width: 33.33%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total<font style="padding-left: 3.09pt;"></font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.17pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$27</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.41%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.67pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$313</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.76%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.99pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$8,506</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$8,846</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$256,695</font></div></td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$265,541</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 16.5pt; margin-left: 0pt; text-align: left;">Troubled Debt Restructurings:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company had $2.3&#160;million and $1.5&#160;million of TDRs at December&#160;31, 2021 and 2020, respectively. There was $234,000 and $94,000 in specific reserve allocations in the Company&#8217;s Allowance for Loan Losses for TDRs at December&#160;31, 2021 and 2020, respectively. The Company has not committed to lend any additional amounts to customers with outstanding loans that are classified as troubled debt restructurings as of December&#160;31, 2021 and 2020.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no TDRs that subsequently defaulted (more than 90 days past due or charge-off) within the first year of modification during 2021 and 2020. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There were two new TDRs in 2021 with balances of $961,000 as of December&#160;31, 2021. There were two new TDRs in 2020 with balances of $861,000 as of December&#160;31, 2020. Modifications made by the Company in both years included temporary payment reductions. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19pt; margin-left: 0pt; text-align: left;">SBA-PPP Loans:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the CARES Act, the SBA-PPP provides forgivable loans to small businesses to enable them to maintain payroll, hire back employees who have been laid off, and cover applicable overhead. SBA-PPP loans have an interest rate of 1%, have 2- and 5-year terms, and carry a 100% guarantee of the SBA.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The allowance for loan losses for SBA-PPP loans was separately evaluated given the explicit government guarantee. This analysis, which incorporated historical experience with similar SBA guarantees and underwriting, concluded the likelihood of loss was remote and therefore no allowance for loan losses was assigned to these loans.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-42<br></div></div></div>
<!--End Page 204-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 205-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg17"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021, SBA-PPP loans, which totaled $2.4&#160;million, are all rated as pass credits, not past due, nonaccrual, TDR, or otherwise impaired. Earned fees for the year are $1.1&#160;million and unearned net fees associated with the SBA-PPP loans amounted to $103,000 at December&#160;31, 2021. Earned fees for the year were $499,000 and unearned net fees associated with the SBA-PPP loans amounted to $422,000 at December&#160;31, 2020. There were no outstanding commitments to extend additional SBA-PPP loans at December&#160;31, 2020.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Credit Quality Indicators</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The risk category of homogeneous loans is evaluated at origination and when a loan becomes delinquent. The Company uses the following definitions for risk ratings:</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Pass<font style="font-style: normal; font-weight: normal;"> loans are loans that are performing and are deemed adequately protected by the net worth of the </font><font style="font-style: normal; font-weight: normal;">borrower or the underlying collateral value. These loans are considered the least risky in terms of </font><font style="font-style: normal; font-weight: normal;">determining the allowance for loan losses.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Special Mention<font style="font-style: normal; font-weight: normal;"> loans are loans with underwriting guideline tolerances and/or exceptions and with no </font><font style="font-style: normal; font-weight: normal;">mitigating factors. These are loans that are currently performing satisfactorily but with potential weaknesses </font><font style="font-style: normal; font-weight: normal;">that may, if not corrected, weaken the asset or inadequately protect the Bank's position at some future date. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Substandard<font style="font-style: normal; font-weight: normal;"> loans typically have an identified weakness or weaknesses and are inadequately protected by </font><font style="font-style: normal; font-weight: normal;">the net worth of the borrower or collateral value.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Doubtful<font style="font-style: normal; font-weight: normal;"> loans have the same characteristics of a substandard loan with an additional weakness that makes </font><font style="font-style: normal; font-weight: normal;">collection or liquidation of the asset highly questionable, and there is a high probability of loss based on </font><font style="font-style: normal; font-weight: normal;">currently existing facts, conditions or values.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-align: left;">Loss<font style="font-style: normal; font-weight: normal;"> loans are considered uncollectable and of such little value that their continuance as bankable assets is </font><font style="font-style: normal; font-weight: normal;">not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value </font><font style="font-style: normal; font-weight: normal;">but rather that it is not practical or desirable to defer writing off the worthless loan even though partial </font><font style="font-style: normal; font-weight: normal;">recovery may be collected in the future. Probable loss portions of doubtful assets should be charged against </font><font style="font-style: normal; font-weight: normal;">the Allowance for Loan Losses. Loans may reside in this classification for administrative purposes for a </font><font style="font-style: normal; font-weight: normal;">period not to exceed the earlier of thirty days or calendar quarter-end. There were no loans rated as loss as </font><font style="font-style: normal; font-weight: normal;">of December&#160;31, 2021 or December&#160;31, 2020.</font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following is an analysis of our loan portfolio by credit quality indicators at December&#160;31, 2021 and December&#160;31, 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 57.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pass<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$141,655</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$73,160</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;">$34,382</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;">$74</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$249,271 </div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Special mention <font style="padding-left: 3.63pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">357</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 12.5pt;">1664</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">314</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,335 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Substandard<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,170</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">4,570</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">370</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15.37pt;">6,110 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Doubtful <font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212; </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total <font style="padding-left: 3.76pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$143,182</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$79,394</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$35,066</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.27pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$74</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$257,716</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-43<br></div></div></div>
<!--End Page 205-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 206-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg18"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 4.&#8195;Loans Held for Investment<font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 57.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.99%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Commercial <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Residential <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Real Estate</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Consumer</div></td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.95%; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.75pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Total</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Pass<font style="padding-left: 4.73pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;">$143,384</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;">$72,010</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;">$38,197</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;">$159</div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$253,750 </div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Special mention <font style="padding-left: 3.63pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 22.5pt;">430</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">2,091</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">404</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">2,925 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Substandard<font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 15pt;">1,064</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 10pt;">7,490</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 17.5pt;">312</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt;">8,866 </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Doubtful <font style="padding-left: 3.07pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 20pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 27.5pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">&#8212; </font></div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total <font style="padding-left: 3.76pt;"></font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.28pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$144,878</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.99%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.78pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$81,591</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.51pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$38,913</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.77pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$159</font></div></td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.95%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$265,541</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 5.&#8195;Loan Servicing Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company accounts for loan servicing rights at fair value. The changes in fair value are recorded in the consolidated statements of income in noninterest income. The Company values its loan servicing rights quarterly. During 2021, adjustments to fair value of the loan servicing rights totaled $537,000 which increased the loan servicing rights to $4.0&#160;million at December&#160;31, 2021 from $3.5&#160;million at December&#160;31, 2020. The valuation incorporates changes in discount rates and prepayment speed assumptions, mostly due to changes in interest rates. The portfolio mix also impacts valuation, as the fair value servicing spreads for SBA servicing assets are generally 3-4 times greater compared to USDA servicing assets. Discount rates are assigned on a product level basis and reflect the rates of returns buyers of similar products require. The model for prepayment speeds considers loan characteristics including interest rate, product type, loan age, and original term, as well as current market conditions including short and long-term interest rate levels. The fair value of loan servicing rights is sensitive to changes in interest rates, including their effect on prepayment speeds. Fair value at December&#160;31, 2021 was determined using discount rates ranging from 10.00% to 12.00%, prepayment speeds ranging from 9.58% to 14.34%, depending on the stratification, and a weighted average default rate of 0.90%. Fair value at December&#160;31, 2020 was determined using discount rates ranging from 10.00% to 12.00%, prepayment speeds ranging from 8.79% to 17.01%, depending on the stratification, and a weighted average default rate of 2.41%.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 6.&#8195;Premises and Equipment</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Premises and equipment were as follows at December 31:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Land<font style="padding-left: 3.95pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10.83pt;">875</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 10.83pt;">901 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Buildings <font style="padding-left: 2.28pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">3,894</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">4,490 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Furniture, fixtures and equipment <font style="padding-left: 4.27pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt;">907</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">1,262 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Software <font style="padding-left: 0.08pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt;">303</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212; </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total <font style="padding-left: 0.76pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">5,979</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 2.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 8.33pt;">6,653 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Accumulated depreciation <font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,805</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(1,995</font><font style="min-width: 30.83pt;">)</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Premises and equipment, net <font style="padding-left: 3.71pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">4,174</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.75pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">4,658</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Depreciation expense was $357,000 and $237,000 for 2021 and 2020. Windsor recorded $5.3&#160;million and $2.4&#160;million in software related costs for the PPP processing platform in 2021 and 2020, respectively.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 7.&#8195;Leases</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of December&#160;31, 2021, the Company has only operating leases for facilities. Leases have remaining lease terms of 1.5&#160;years to 5&#160;years. In addition, the Company rents a loan production office on a month-to-month basis.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The components of lease expense for 2021 and 2020 were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 82.05%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.35%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.35%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.35%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.35%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease expense<font style="padding-left: 2.66pt;"></font></div></td><td class="gutter" style="width: 2.35%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.35%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.27%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$426</div></td><td class="gutter" style="width: 2.35%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.35%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.27%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$275</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-44<br></div></div></div>
<!--End Page 206-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 207-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg19"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 7.&#8195;Leases<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Supplemental balance sheet information related to leases as of December&#160;31, 2021 and 2020 were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.09%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating Leases<br></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease right-of-use assets<font style="padding-left: 4.02pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$1,434</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$1,541 </div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating lease liabilities<font style="padding-left: 0.65pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$1,524</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;">$1,598 </div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted Average Remaining Lease Term:<br></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating leases<font style="padding-left: 2.31pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4.4 Years</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">4.9 Years</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted Average Discount Rate:<br></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Operating leases<font style="padding-left: 2.31pt;"></font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;"><font style="padding-left: 10pt;">0.89%</font></div></td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.09%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.14pt; text-align: left;"><font style="padding-left: 10pt;">0.80%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">Right-of use lease assets and liabilities are included in other assets and liabilities on the balance sheet.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Rent commitments, excluding the loan production office rented on a month-to-month basis, were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 6pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">366</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023 <font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">325</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">334</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025 <font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">342</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2026 <font style="padding-left: 4.17pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">197</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total <font style="padding-left: 3.76pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,564</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Note 8.&#8195;Goodwill and Intangible Assets</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">The change in goodwill during the years ended December&#160;31, 2021 and 2020 is as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Goodwill, beginning of year<font style="padding-left: 3.7pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$13,161</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$13,150 </div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Acquired goodwill<font style="padding-left: 3.41pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.87pt;">11 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Impairment<font style="padding-left: 2.85pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212; </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Goodwill, end of year<font style="padding-left: 4.26pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$13,161</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$13,161</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021, the Company&#8217;s reporting units where goodwill was pushed down had positive equity and earnings. As a result, the Company elected to perform a qualitative assessment as of that date to determine if it was more than likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill. The qualitative assessment indicated that it was more than likely than not that the fair value of the reporting unit exceeded the carrying value, resulting in no impairment. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Intangible assets were as follows at year-end:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td rowspan="2" style="width: 56.41%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" rowspan="2" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.16%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 6pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.15%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr class="header"><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.5pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.5pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortization</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.5pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Gross<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.32%; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 3.5pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.78%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3.5pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Accumulated<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amortization</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Amortized intangible assets:<br></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Customer list intangible<font style="padding-left: 3.74pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;">$6,640</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;">$(2,435)</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;">$6,640</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;">$(1,771)</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Noncompete intangible<font style="padding-left: 2.08pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 12.5pt;">241</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 12.5pt;">(241)</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 12.5pt;">241</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 2.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 12.5pt;">(214)</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">West Town Payments startup costs<font style="padding-left: 4.9pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">60</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">(7</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3.5pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="padding-left: 20.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">&#8212;</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Total amortized intangible assets<font style="padding-left: 2.8pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,941</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$(2,683</font><font style="min-width: 30.83pt;">)</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$6,881</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3.5pt; padding-bottom: 4.5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$(1,985</font><font style="min-width: 30.83pt;">)</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Indefinite life intangible assets:<br></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 4.5pt; padding-bottom: 2.25pt;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.5pt; padding-bottom: 2.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Trade name intangible<font style="padding-left: 0.22pt;"></font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,141</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 15.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$2,141</font></div></td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.32%; border-bottom: none; font-size: 2pt; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.78%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 7.47pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 15.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">&#8212;</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-45<br></div></div></div>
<!--End Page 207-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 208-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg20"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 8.&#8195;Goodwill and Intangible Assets<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Aggregate amortization expense was $698,000 and $745,000 for the years ended December&#160;31, 2021 and 2020, respectively. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021, scheduled amortization of the intangible assets is as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 89.74%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)<br></div></td><td class="gutter" style="width: 2.19%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">668 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">668 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">668 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">668 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2026<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">668 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Thereafter<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">918 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 2.09pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$4,258</font></div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">Note 9.&#8195;Deposits</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Time deposits that meet or exceed the FDIC insurance limit of $250,000 as of December&#160;31, 2021 and 2020 were $29.6&#160;million and $24.3&#160;million, respectively.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021, scheduled maturities of time deposits were as follows:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 89.74%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)<br></div></td><td class="gutter" style="width: 1.12%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2022<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 5pt;">86,002 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2023<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">36,271 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2024<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">22,292 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2025<font style="padding-left: 2.5pt;"></font></div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt;">14,588 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Thereafter<font style="padding-left: 0.86pt;"></font></div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 37.5pt;">1,071 </font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.12%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 37.5pt;">$160,224</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021 and 2020, brokered deposits totaled $40.2&#160;million and $58.3&#160;million, respectively.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 10.&#8195;Borrowings</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021 and 2020 advances from the Federal Home Loan Bank were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 82.05%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.55%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.55%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.55%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.55%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Maturing in May 2022, at a fixed rate of 0.00%<font style="padding-left: 4.36pt;"></font></div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$5,000</div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212; </font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Maturing in May 2021, at a fixed rate of 0.00%<font style="padding-left: 4.36pt;"></font></div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">4,000 </font></div></td></tr><tr><td style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 1.09pt;"></font></div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$5,000</font></div></td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.55%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$4,000</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The advances were collateralized by $56.6&#160;million and $134.4&#160;million, respectively, of loans under a blanket lien arrangement at December&#160;31, 2021 and 2020.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company had a $7.5&#160;million revolving line of credit with another financial institution which expired in February 2021 and was renewed again until February 2022. The new line of credit was increased to $10.0&#160;million in 2021. The terms of the loan are Wall Street Journal Prime Rate plus 0.75%. The Company had a $2.5&#160;million outstanding balance as of December&#160;31, 2021. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Certain borrowing agreements require the Company to comply with stated financial covenants and contain restrictions on uses of loan proceeds. As of December&#160;31, 2021, the Company was in compliance with all of its debt covenants.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-46<br></div></div></div>
<!--End Page 208-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 209-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg21"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 11.&#8195;Income Taxes</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">Income tax expense consists of the following for the year ended December 31:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.59%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Current tax expense<font style="padding-left: 2.87pt;"></font></div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.27%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$862</div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$1,366 </div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deferred tax expense<font style="padding-left: 2.89pt;"></font></div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 4.27%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt; border-bottom: 1pt solid #000000; min-width: 20pt;">5</font></div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">146 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.27%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 20pt;">$867</font></div></td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.59%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,512</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The difference between the provision for income taxes and the amounts applied by applying the statutory federal income tax rate of 21% to income before income taxes for the years ended December&#160;31, 2021 and 2020 is summarized below: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.59%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Income tax expense computed at the federal statutory rate<font style="padding-left: 1.84pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 3.33pt;">2,723</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 3.33pt;">2,147 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">State income tax, net of federal benefit<font style="padding-left: 4.3pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt;">762</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt;">660 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Non-taxable bank owned life insurance<font style="padding-left: 4.01pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">(23)</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt;">(24)</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Merger expenses<font style="padding-left: 0.83pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.83pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 25.83pt;">4 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stock compensation<font style="padding-left: 2.85pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.83pt;">68</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 20.83pt;">23 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tax credit<font style="padding-left: 3.55pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">(2,919)</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">(1,434)</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Other<font style="padding-left: 1.73pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">256</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15.83pt; border-bottom: 1pt solid #000000; min-width: 30.83pt;">136 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total<font style="padding-left: 4.09pt;"></font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 10.83pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">867</font></div></td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.59%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 30.83pt;">$</font><font style="padding-left: 3.33pt; border-bottom: 3pt double #000000; min-width: 30.83pt;">1,512</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The tax effects of temporary differences that give rise to the net deferred tax liabilities as of December&#160;31, 2021 and 2020:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 2.19%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.19%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.19%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.19%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deferred tax assets<br></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Allowance for loan losses<font style="padding-left: 3.44pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">965</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">834 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Intangible amortization<font style="padding-left: 0.08pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">259</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">189 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deferred compensation<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">156</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">121 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Mark to market &#8211; Section 475 adjustment<font style="padding-left: 3.45pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">19</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">99 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Stock options<font style="padding-left: 3.95pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">55</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">72 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Unrealized loss on securities available-for-sale<font style="padding-left: 4.24pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">26</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212; </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other<font style="padding-left: 1.73pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">178</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">63 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Subtotal<font style="padding-left: 1.17pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,658</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">1,378 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Deferred tax liabilities<br></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Windsor fair value adjustment<font style="padding-left: 1.06pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,242</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,185 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loan servicing assets<font style="padding-left: 2.32pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">1,039</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">858 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deferred loan costs<font style="padding-left: 0.1pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">733</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">691 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Prepaid expenses<font style="padding-left: 4.53pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.87pt;">114</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.87pt;">119 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Unrealized gain on securities available-for-sale<font style="padding-left: 2.58pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">95 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Premises and equipment<font style="padding-left: 0.09pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">60</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt;">87 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Other<font style="padding-left: 1.73pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">49</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">39 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 20pt; text-align: left;">Subtotal<font style="padding-left: 1.17pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3,237</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">3,074 </font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 30pt; text-align: left;">Net deferred tax liabilities<font style="padding-left: 2.33pt;"></font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,579</font></div></td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.19%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$1,696</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">The net deferred tax liability is a component of other liabilities on the balance sheet.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-47<br></div></div></div>
<!--End Page 209-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 210-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg22"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 11.&#8195;Income Taxes<font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions in accordance with applicable regulations. Tax returns for the years subsequent to 2018 remain subject to examination by both federal and state tax authorities. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In assessing the realizability of deferred tax assets and liabilities, management considers whether it is more likely than not that some portion or all of the deferred tax asset and liabilities will not be realized. Management considers recoverable taxes paid in prior years, projected future taxable income, and tax planning strategies in making this assessment. It is management's belief that the realization of the deferred tax assets and liabilities is more likely than not. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">Note 12.&#8195;Commitments and Contingencies </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. There is no allowance for loan losses on unfunded commitments. The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows at December 31: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Commitments to make loans and unused lines of credit<font style="padding-left: 2.91pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$18,231</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$15,555</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the course of ordinary business, the Company is, from time to time, named a party to legal actions and proceedings, primarily related to collection of loans and foreclosed assets. In accordance with generally accepted accounting principles, the Company establishes reserves for litigation and regulatory matters when those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, the Company does not establish reserves. There is no reserve for litigation as of December&#160;31, 2021 or 2020. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; margin-left: 0pt; text-align: left;">Note 13.&#8195;Regulatory Matters </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">West Town Bank &amp; Trust (the &#8220;Bank&#8221;) is subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate certain regulatory action that could have a direct material effect on the financial statements. Prompt corrective action provisions are not applicable to bank holding companies. The final rules implementing Basel Committee on Banking Supervision&#8217;s capital guidelines for U.S banks (Basel III rules) became effective for the Bank on January&#160;1, 2015 with full compliance with all of the requirements phased in over a multi-year schedule and fully phased in by January&#160;1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes the Bank meets all capital adequacy requirements to which it was subject as of December&#160;31, 2021 and 2020. The Basel III Capital Rules require the Bank to maintain (i)&#160;a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5% plus a 2.5% &#8220;capital conservation buffer&#8221; which effectively results in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0%, (ii)&#160;a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer which effectively results in a minimum Tier 1 capital ratio of 8.5%, (iii)&#160;a minimum ratio of Total capital (that is, Tier 1 plus Tier&#160;2) to risk-weighted assets of at least 8.0%, plus the capital conservation buffer which effectively results in a minimum total capital ratio of 10.5% and (iv)&#160;a minimum leverage ratio of 4.0%, calculated as the ratio of Tier 1 capital to average quarterly assets. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-48<br></div></div></div>
<!--End Page 210-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 211-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg23"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 13.&#8195;Regulatory Matters <font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021 and 2020 actual capital levels and minimum required levels under the regulatory framework for prompt correction action regulations for West Town Bank &amp; Trust were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank &amp; Trust</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$49,418</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">17.17%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$30,221</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$28,782</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">24,465</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">23,026</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">15.91%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">20,147</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">18,708</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">45,797</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 0.37pt;">11.46%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">15,982</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">19,978</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">West Town Bank &amp; Trust</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="16" style="width: 61.8%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Dollars in thousands</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 14.05%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Actual</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 19.82%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Basel III Fully Phased-In</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 23.33%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">To Be Well-Capitalized Under <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prompt Corrective Action <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Provisions</div></td></tr><tr class="header"><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.58%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.15%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.45%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Ratio</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Total risk based capital<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$37,888</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">13.30%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">$29,912</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;">10.50%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;">$28,488</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;">10.00%</div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 risk based capital<font style="padding-left: 1.45pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.04%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">24,214</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">8.50%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">22,790</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">8.00%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Common equity tier 1 capital<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12.04%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">19,941</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">7.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">18,517</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">6.50%</font></div></td></tr><tr><td style="width: 35.9%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tier 1 leverage capital<font style="padding-left: 3.68pt;"></font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">34,308</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">10.06%</div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">13,645</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 6.75pt; text-align: left;"><font style="padding-left: 5pt;">4.00%</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.58%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.86pt; text-align: left;"><font style="padding-left: 5pt;">17,056</font></div></td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.15%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.45%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.85pt; text-align: left;"><font style="padding-left: 5pt;">5.00%</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">West Town Bank &amp; Trust was categorized as well-capitalized under prompt corrective action regulations at December&#160;31, 2021 and 2020. No conditions or events have occurred subsequent to the last regulatory rating that management believes has changed West Town Bank &amp; Trust&#8217;s classification under prompt corrective action regulations. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;">Note 14.&#8195;Employee Benefits </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;"><u>401(k) Retirement Plan</u> </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company has adopted a 401(k)-retirement plan that covers all eligible employees. The Company&#8217;s contribution is limited to 4% of each employee&#8217;s salary. Matching contributions are funded when accrued. The Company matches 100% of the first 3% of employee contributions and 50% of the next 2%. Matching expenses totaled $600,000 and $409,000 for the years ended December&#160;31, 2021 and 2020, respectively and are included in compensation expense on the Consolidated Statements of Income. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 13.5pt; margin-left: 0pt; text-align: left;"><u>Supplemental Retirement Plan</u> </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In September 2014, the Company established a non-qualifying supplemental retirement plan for the benefit of certain key executives (the &#8220;2014 Plan&#8221;). Under the 2014 Plan, the participants will receive a fixed retirement benefit over a 10 or 15-year period following that participant&#8217;s retirement. The 2014 Plan also provides for payment of death or disability benefits in the event a participating officer becomes permanently disabled or dies prior to attainment of retirement age. Benefits are vested immediately upon attainment of the age of 60. The discount rate used to compute the liability for the expected benefits was 6%. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">For the year ended December&#160;31, 2021 and 2020, the Company recognized an expense of $112,000 and $101,000, respectively, related to each of these plans. The accrued liability related to these plans was approximately $600,000 and $488,000 as of December&#160;31, 2021 and 2020, respectively, and is included in Other liabilities on the Consolidated Balance Sheet. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">At December&#160;31, 2021, the Company had $5.2&#160;million in cash surrender value invested in bank-owned life insurance policies (&#8220;BOLI&#8221;). Income earned on these policies may be used, at the Company&#8217;s sole discretion, to fund the benefits payable under the Plans.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-49<br></div></div></div>
<!--End Page 211-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 212-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg24"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 14.&#8195;Employee Benefits <font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;"><u>Stock-Based Compensation Plans</u><font style="font-weight: normal;"> </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">A summary of the Company&#8217;s active equity plans is as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.83%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.88%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.23%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Share remaining as of <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31,</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Plan Name</div></td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.83%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Plan Type</div></td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Expiration <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Date</div></td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.28%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Approved <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shares</div></td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.58%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.07%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2018 Omnibus Plan<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Omnibus</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.67pt; text-align: left;">04/26/28</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;"><font style="padding-left: 5pt;">50,000</font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="padding-left: 12.5pt;">300</font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="padding-left: 17.5pt;">300</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">2019 Omnibus Plan<font style="padding-left: 2.4pt;"></font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Omnibus</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.67pt; text-align: left;">03/28/29</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.79pt; text-align: left;">177,176</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 27.5pt;">64,980</font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">130,408</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.83%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.28%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">65,280</font></div></td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.58%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.07%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.64pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">130,708</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s Omnibus plans permit both grants of stock options and other types of equity-based compensation, including stock appreciation rights, restricted stock, restricted performance stock, unrestricted stock, and performance units, to its directors and employees. Option awards are granted with an exercise price equal to the fair value of the Company&#8217;s common stock at the date of grant, vest over a four-year period, and expire ten years after the date of grant. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company&#8217;s common stock. The Company uses historical data to estimate option exercise and post-vesting termination behavior. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which considers that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">A summary of the activity in the stock option plan for the year ended 2021 follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shares</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exercise Price</div></td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.66%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Remaining <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Contractual Term<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(years)</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Outstanding at beginning of year<font style="padding-left: 1.55pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">179,143</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;">$16.82</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.5pt; text-align: left;">5.28</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Granted<font style="padding-left: 4.29pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">20,000</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="padding-left: 5pt;">23.95</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Exercised<font style="padding-left: 2.07pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">24,270</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="padding-left: 5pt;">15.77</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Forfeited or expired<font style="padding-left: 4.87pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">2,100</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">22.94</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Outstanding at end of year<font style="padding-left: 2.1pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 32.5pt;">172,773</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">17.72</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.5pt; text-align: left;"><font style="border-bottom: 1pt solid #000000; min-width: 17.5pt;">4.88</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Outstanding, vested and expected to vest<font style="padding-left: 4.06pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">140,972</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$16.76</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">4.09</font></div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 56.41%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fully vested and exercisable at end of year<font style="padding-left: 4.92pt;"></font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">172,773</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 17.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$17.72</font></div></td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.66%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 22.5pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 17.5pt;">4.88</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;">Information related to the stock option plan during the periods follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 79.49%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands except fair value of options)</div></td><td class="gutter" style="width: 2.72%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.72%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 2.72%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 2.72%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 4.81%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Intrinsic value of options exercised<font style="padding-left: 0.67pt;"></font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 2.5pt;">258</font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$<font style="padding-left: 7.5pt;">91</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cash received from option exercises<font style="padding-left: 0.68pt;"></font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 7.5pt;">362</font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">50</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tax benefit realized from option exercises<font style="padding-left: 1.95pt;"></font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">83</font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 12.5pt;">19</font></div></td></tr><tr><td style="width: 79.49%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Weighted average fair value of options granted<font style="padding-left: 2.05pt;"></font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">4.65</font></div></td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 2.72%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 4.81%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">3.43</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-50<br></div></div></div>
<!--End Page 212-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 213-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg25"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 14.&#8195;Employee Benefits <font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">As of December&#160;31, 2021, there was $107,000 of total unrecognized compensation cost related to non-vested stock options granted under the Plan. The cost is expected to be recognized over a weighted-average period of 2.33&#160;years. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">A summary of restricted stock activity during the period is as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 18.56%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2021</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="4" style="width: 15.17%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">2020</div></td></tr><tr class="header"><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shares</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.31%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average Price</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 5.88%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Shares</div></td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.18%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.93%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Average <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Price</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Nonvested, beginning of year<font style="padding-left: 4.71pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">35,187</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.39pt; text-align: left;">$23.31</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12,807</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.48pt; text-align: left;">$28.65</div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Granted<font style="padding-left: 3.29pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">45,428</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.39pt; text-align: left;"><font style="padding-left: 5pt;">23.95</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">35,274</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.48pt; text-align: left;"><font style="padding-left: 5pt;">21.60</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Vested<font style="padding-left: 3.84pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">22,435</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.39pt; text-align: left;"><font style="padding-left: 5pt;">23.94</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">12,894</div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.48pt; text-align: left;"><font style="padding-left: 5pt;">23.93</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Unvested shares forfeited<font style="padding-left: 1.67pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">2,800</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 10.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.39pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">22.94</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.48pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 61.54%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Nonvested, end of year<font style="padding-left: 0.27pt;"></font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">55,380</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.31%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10.39pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$23.60</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 5.88%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">35,187</font></div></td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.18%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.93%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.48pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$23.31</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">As of December&#160;31, 2021, there was $874,000 of total unrecognized compensation cost related to non-vested stock options and stock awards granted under the Plan. The cost is expected to be recognized over a weighted-average period of 2.60&#160;years. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 15.&#8195;Related Party Transactions </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Principal stockholders, directors, and executive officers of the Company, together with the companies they control, are considered to be related parties. In the ordinary course of business, the Company has engaged in various related party transactions during the year, ranging from extending credit, accepting deposits as well as exchanges of service transactions. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Federal banking regulations require that any such extensions of credit not be offered on terms more favorable than would be offered to non-related party borrowers of similar creditworthiness. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company has granted loans to certain directors and executive officers of the Company and their related interests. Such loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other borrowers and, in management&#8217;s opinion, do not involve more than the normal risk of collectability. All loans to directors and executive officers or their interests are submitted to the Board of Directors for approval. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The following table summarizes the aggregate activity in such loans for the periods indicated: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 89.74%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 3.53%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans to directors and officers as a group at December&#160;31, 2020<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">$85</div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">New loans<font style="padding-left: 4.19pt;"></font></div></td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan repayments<font style="padding-left: 2.53pt;"></font></div></td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">85</font></div></td></tr><tr><td style="width: 89.74%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loans to directors and officers as a group at December&#160;31, 2021<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.53%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.21%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In the normal course of business, certain directors, and executive officers of the Company, including their immediate families and companies in which they have an interest, may be deposit customers. At December&#160;31, 2021 and 2020, deposits from officers and directors of the Company totaled $1.4&#160;million and $773,000, respectively and were at the same terms and conditions as offered to other customers. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">In addition, the Company engages in certain activities with related parties for sponsorships, donations, and other services during the normal course of business. A member of the Company&#8217;s Board of Directors is a partner in a law firm which provides legal services to the Company over the course of the year. Expenses related to this agreement totaled $231,000 and $332,000 during the years ended December&#160;31, 2021 and 2020, respectively.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-51<br></div></div></div>
<!--End Page 213-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 214-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg26"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8pt; margin-left: 0pt; text-align: left;">Note 16.&#8195;Shareholders&#8217; Equity </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">During 2021, using existing liquidity and dividends from its subsidiaries, the Company repurchased 74,028 shares of common voting stock. The Company repurchased 41,380 during 2020 using the same liquidity sources. </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 16pt; margin-left: 0pt; text-align: left;">Note 17.&#8195;Fair Value of Financial Instruments </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Level 1 - Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Level 2 - Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-align: left;">Level 3 - Significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-align: left;">The Company used the following methods and significant assumptions to estimate fair value: </div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 16pt; margin-left: 0pt; text-align: left;">Assets and Liabilities Measured on a Recurring Basis: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Securities Available for Sale:<font style="font-style: normal; font-weight: normal;"> </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). </div><div class="h3" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Marketable Equity Securities:<font style="font-style: normal; font-weight: normal;"> The fair values for marketable equity securities are determined by quoted market </font><font style="font-style: normal; font-weight: normal;">prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based </font><font style="font-style: normal; font-weight: normal;">on market prices of similar securities (Level 2). </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loan Servicing Assets:<font style="font-style: normal; font-weight: normal;"> On a quarterly basis, loan servicing rights are recorded at fair value. Fair value is </font><font style="font-style: normal; font-weight: normal;">determined at a tranche level, based on market prices for comparable servicing contracts (Level 2), when </font><font style="font-style: normal; font-weight: normal;">available, or alternatively based on a valuation model that calculates the present value of estimated future net </font><font style="font-style: normal; font-weight: normal;">servicing income. The valuation model utilizes interest rate, prepayment speed, and default rate assumptions that </font><font style="font-style: normal; font-weight: normal;">market participants would use in estimating future net servicing income and that can be validated against </font><font style="font-style: normal; font-weight: normal;">available market date (Level 2).</font><font style="font-style: normal; font-weight: normal;"> </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Mortgage Banking Derivative:<font style="font-style: normal; font-weight: normal;"> The fair value of mortgage banking derivatives which include interest rate lock </font><font style="font-style: normal; font-weight: normal;">commitments are based on valuation models using observable market data as of the measurement date (Level 2). </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 16pt; margin-left: 0pt; text-align: left;">Assets and Liabilities Measured on a Non-recurring Basis: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Impaired Loans:<font style="font-style: normal; font-weight: normal;"> The fair value of impaired loans with specific allocations of the allowance for loan losses is </font><font style="font-style: normal; font-weight: normal;">generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a </font><font style="font-style: normal; font-weight: normal;">combination of approaches including comparable sales and the income approach. Adjustments are routinely made </font><font style="font-style: normal; font-weight: normal;">in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and </font><font style="font-style: normal; font-weight: normal;">income data available. Such adjustments are usually significant and typically result in a Level 3 classification of </font><font style="font-style: normal; font-weight: normal;">the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value </font><font style="font-style: normal; font-weight: normal;">per the borrower&#8217;s financial statements, or aging reports, adjusted or discounted based on management&#8217;s </font><font style="font-style: normal; font-weight: normal;">historical knowledge, changes in market conditions from the time of the valuation, and management&#8217;s expertise </font><font style="font-style: normal; font-weight: normal;">and knowledge of the client and client&#8217;s business, resulting in a Level 3 fair value classification. Impaired loans </font><font style="font-style: normal; font-weight: normal;">are evaluated on a quarterly basis for additional impairment and adjusted accordingly. </font></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-52<br></div></div></div>
<!--End Page 214-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 215-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg27"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 17.&#8195;Fair Value of Financial Instruments <font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">Foreclosed Assets:<font style="font-style: normal; font-weight: normal;"> Foreclosed assets are carried at the lower of carrying value or fair value on a non-recurring </font><font style="font-style: normal; font-weight: normal;">basis. Fair value is based upon independent appraisals or management&#8217;s estimation of the collateral and is </font><font style="font-style: normal; font-weight: normal;">considered a Level 3 measurement. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Assets measured at fair value on a recurring basis are summarized below: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(amounts in thousands)</div></td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 47.41%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.94%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.44%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted Prices <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">in Active <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Markets for<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Assets<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 1)</div></td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 2)</div></td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.93%; font-size: 2pt; padding-top: 4pt; padding-bottom: 4pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 3)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Debt securities<br></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 12.5pt;">246</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">$<font style="padding-left: 17.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;">$<font style="padding-left: 12.5pt;">246</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;">$&#8212;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">19,876</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="padding-left: 22.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 5pt;">19,876</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obigations<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="padding-left: 22.13pt; border-bottom: 1pt solid #000000; min-width: 32.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">549</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total debt securities available for sale<font style="padding-left: 0.16pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$20,671</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;">$<font style="padding-left: 17.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;">$20,671</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 2.75pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;">$&#8212;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 2.75pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 2.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities<font style="padding-left: 0.55pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5.37pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">11,988</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 32.13pt;">11,988</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 2.75pt; padding-bottom: 4pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4pt; padding-bottom: 5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities<font style="padding-left: 1.79pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$32,659</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$11,988</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$20,671</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 4pt; padding-bottom: 5pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4pt; padding-bottom: 5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Mortgage-banking derivative<font style="padding-left: 2.76pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">1,065</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$</font><font style="padding-left: 17.13pt; border-bottom: 3pt double #000000; min-width: 32.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">1,065</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 5pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan servicing assets<font style="padding-left: 3.32pt;"></font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.94%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">3,993</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.44%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.37pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.13pt;">$</font><font style="padding-left: 17.13pt; border-bottom: 3pt double #000000; min-width: 32.13pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">3,993</font></div></td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.93%; border-bottom: none; font-size: 2pt; padding-top: 5pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 47.67%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.49%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted Prices <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">in Active <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Markets for<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical Assets<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 1)</div></td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.36%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 2)</div></td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.8%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 3)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Debt securities<br></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">SBA pooled securities<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$<font style="padding-left: 12.5pt;">348</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;">$<font style="padding-left: 12.5pt;">348</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;">$&#8212;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises mortgage backed securities<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 5pt;">14,518</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 5pt;">14,518</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-indent: -10pt; text-align: left;">Government sponsored enterprises collateralized mortgage obigations<font style="padding-left: 2.74pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">855</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 17.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">855</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total debt securities available for sale<font style="padding-left: 0.16pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;">$15,721</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;">$15,721</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;">$&#8212;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Marketable equity securities <font style="padding-left: 2.22pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="padding-left: 10pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 27.5pt;">9,990</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="padding-left: 22.5pt; border-bottom: 1pt solid #000000; min-width: 32.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 4.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="padding-left: 5pt; border-bottom: 1pt solid #000000; min-width: 15pt;">&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Total investment securities <font style="padding-left: 3.46pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 0.37pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">25,711</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$9,990</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$15,721</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 5.25pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 5.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Mortgage-banking derivative <font style="padding-left: 4.43pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">702</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">702</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 5.25pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Loan servicing assets <font style="padding-left: 4.99pt;"></font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.95%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.01pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">3,456</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.49%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.13pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 27.5pt;">$</font><font style="padding-left: 12.5pt; border-bottom: 3pt double #000000; min-width: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.36%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.3pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 32.5pt;">$</font><font style="padding-left: 5pt; border-bottom: 3pt double #000000; min-width: 32.5pt;">3,456</font></div></td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.8%; border-bottom: none; font-size: 2pt; padding-top: 5.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 5.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 16.05pt; text-align: left;"><font style="border-bottom: 3pt double #000000; min-width: 15pt;">$&#8212;</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">There were no liabilities measured at fair value on a recurring basis as of December&#160;31, 2021 or December&#160;31,&#160;2020. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-53<br></div></div></div>
<!--End Page 215-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 216-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg28"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 17.&#8195;Fair Value of Financial Instruments <font style="padding-left: 4pt;">(continued)</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-align: left;">Assets measured at fair value on a non-recurring basis are summarized below:</div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 49.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.14%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted Prices in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Active Markets for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical Assets <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Level 1</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.67%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Level 2</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Level 3</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Impaired loans<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.77pt; text-align: left;">$417</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 25.58pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.67%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.49pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;">$417</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed assets<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 5.77pt; text-align: left;"><font style="padding-left: 5pt;">618</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 25.58pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.67%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.49pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 5pt;">618</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 49.62%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 6.74%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.14%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted Prices in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Active Markets for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical Assets<br></div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 13.67%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Level 2</div></td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.83%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Level 3</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Impaired loans<font style="padding-left: 4.97pt;"></font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;">$1,576</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 25.58pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 13.67%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.49pt; text-align: left;">$&#8212;</div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;">$1,576</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed assets<font style="padding-left: 4.98pt;"></font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 6.74%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.02pt; text-align: left;"><font style="padding-left: 5pt;">2,372</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.14%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 25.58pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 13.67%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 24.49pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.83%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;"><font style="padding-left: 5pt;">2,372</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December&#160;31, 2021 and 2020: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 59.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Technique</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable Input(s)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Range in Appraised <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted Average</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Impaired loans<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.15pt; text-align: left;">$417</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Market<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Comparable</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">A discount percentage <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">is applied based on age <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">of independent <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">appraisals, selling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">costs, current market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">conditions, and <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">experience within the <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">local market</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10% - 15%</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed assets<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 8.15pt; text-align: left;">$618</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Comparables</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">A discount percentage <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">is applied based on age <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">of independent <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">appraisals, selling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">costs, current market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">conditions, and <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">experience within the <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">local market</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10% - 15%</div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 59.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Technique</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable Input(s)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Range in Appraised <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted Average</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Impaired loans<font style="padding-left: 1.97pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.4pt; text-align: left;">$1,576</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Comparables</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">A discount percentage <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">is applied based on age <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">of independent <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">appraisals, selling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">costs, current market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">conditions, and <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">experience within the <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">local market</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10% - 15%</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-54<br></div></div></div>
<!--End Page 216-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 217-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg29"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 17.&#8195;Fair Value of Financial Instruments <font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 10.25pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(in thousands)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="10" style="width: 59.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 7.76%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Technique</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable Input(s)</div></td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.91%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Range in Appraised <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Weighted Average</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Foreclosed assets<font style="padding-left: 1.98pt;"></font></div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.76%; text-align: left; vertical-align: top; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.4pt; text-align: left;">$2,372</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 11.27%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">Comparables</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 20.53%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">A discount percentage <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">is applied based on age <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">of independent <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">appraisals, selling <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">costs, current market <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">conditions, and <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">experience within the <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">local market</div></td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.91%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 14.72%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">10% - 15%</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company obtains third-party appraisals on its impaired loans to determine fair value. Generally, the third-party appraisals apply the &#8220;sales comparison approach,&#8221; which is a valuation technique that uses prices and other relevant information generated by market transactions involving identical or comparable (that is, similar) assets, liabilities, or a group of assets and liabilities, such as a business. Adjustments are then made based on the type of property, age of appraisal, current status of property and other related factors to estimate the current value of collateral. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Carrying amount and estimated fair values of financial instruments as of December&#160;31, 2021 and 2020, excluding those previously presented, were as follows: </div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 51.75%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2021</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prices in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Active <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Markets for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Assets <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 1)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 2)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 3)</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Financial Assets:<br></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash and cash equivalents<font style="padding-left: 0.77pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">83,713</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">83,713</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;">$83,713</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;">$<font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;">$<font style="padding-left: 5pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing time deposits<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 10pt;">1,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for sale<font style="padding-left: 4.65pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">27,880</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">27,880</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 10pt;">27,880</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment, net<font style="padding-left: 3.27pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">254,078</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">254,022</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 5pt;">253,605</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 5pt;">417</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest receivable<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,373</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,373</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 10pt;">1,373</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Financial Liabilities:<br></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deposits<font style="padding-left: 3.51pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">348,156</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">348,665</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 5pt;">348,665</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Borrowings<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">7,500</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">7,498</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 15pt;">7,498</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest payable<font style="padding-left: 2.44pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">326</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 22.5pt;">326</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 17.5pt;">326</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.55pt; text-align: left;"><font style="padding-left: 10pt;">&#8212;</font></div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 51.75%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prices in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Active <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Markets for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 1)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 2)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 3)</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Financial Assets:<br></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Cash and cash equivalents<font style="padding-left: 0.77pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">32,925</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;">$<font style="padding-left: 5pt;">32,925</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;">$32,925</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;">$<font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;">$<font style="padding-left: 12.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Interest-bearing time deposits<font style="padding-left: 2.99pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">2,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">2,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 10pt;">2,746</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for sale<font style="padding-left: 4.65pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">17,492</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 10pt;">17,492</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 10pt;">17,492</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Loans held for investment, net<font style="padding-left: 3.27pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">262,126</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 5pt;">265,843</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 5pt;">264,267</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;"><font style="padding-left: 5pt;">1,576</font></div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest receivable<font style="padding-left: 2.45pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,556</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><font style="padding-left: 15pt;">1,556</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 4.62pt; text-align: left;"><font style="padding-left: 10pt;">1,556</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0.81pt; text-align: left;"><font style="padding-left: 27.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.8pt; text-align: left;"><font style="padding-left: 17.5pt;">&#8212;</font></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-55<br></div></div></div>
<!--End Page 217-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 218-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_204-finnotes02_pg30"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Integrated Financial Holdings, Inc.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">Notes to Consolidated Financial Statements</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-style: italic;">For the years ended December 31, 2021 and 2020</font><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">Note 17.&#8195;Fair Value of Financial Instruments <font style="padding-left: 4pt;">(continued)</font><br></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 10.25pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td colspan="13" style="width: 51.75%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">December&#160;31, 2020</div></td></tr><tr class="header"><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Carrying <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Amount</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Fair Value</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.92%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Quoted <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Prices in <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Active <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Markets for <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Identical <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 1)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 8.35%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Other <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Observable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 2)</div></td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.05%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Significant <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Unobservable <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Inputs <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">(Level 3)</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Financial Liabilities:<br></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Deposits<font style="padding-left: 3.51pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;">300,890</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;">301,658</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.37pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.31pt; text-align: left;">301,658</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 18.55pt; text-align: left;">&#8212;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Borrowings<font style="padding-left: 1.29pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;"><font style="padding-left: 10pt;">4,000</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;"><font style="padding-left: 10pt;">3,998</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.37pt; text-align: left;"><font style="padding-left: 5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.31pt; text-align: left;"><font style="padding-left: 10pt;">3,998</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 18.55pt; text-align: left;">&#8212;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 10pt; text-align: left;">Accrued interest payable<font style="padding-left: 2.44pt;"></font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;"><font style="padding-left: 17.5pt;">427</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 2.5pt; text-align: left;"><font style="padding-left: 17.5pt;">427</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.92%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 13.37pt; text-align: left;">427</div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 8.35%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 3.31pt; text-align: left;"><font style="padding-left: 22.5pt;">&#8212;</font></div></td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.05%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 10.06%; text-align: center; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 18.55pt; text-align: left;">&#8212;</div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; margin-left: 0pt; text-align: left;"><a name="tNTCFS22"><!--Anchor--></a>The methods and assumptions, not previously presented, used to estimate fair values are described as follows: </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Cash and Cash Equivalents:<font style="font-style: normal; font-weight: normal;"> The carrying amounts of cash and short-term instruments approximate fair values. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Interest-bearing Time Deposits:<font style="font-style: normal; font-weight: normal;"> The carrying amounts of cash and short-term instruments approximate fair </font><font style="font-style: normal; font-weight: normal;">values. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Loans:<font style="font-style: normal; font-weight: normal;"> As of December&#160;31, 2021, the technique used by the Company to estimate the fair values of the loan </font><font style="font-style: normal; font-weight: normal;">portfolio was an exit price notion which incorporates factors such as enhanced credit risk, illiquidity risk and </font><font style="font-style: normal; font-weight: normal;">other market factors that sometimes exist in exit prices in dislocated markets. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Deposits:<font style="font-style: normal; font-weight: normal;"> The fair values disclosed for demand deposits are, by definition, equal to the amount payable on </font><font style="font-style: normal; font-weight: normal;">demand at the reporting date (i.e., their carrying amount). The carrying amounts of variable rate, fixed-term </font><font style="font-style: normal; font-weight: normal;">money market accounts and certificates of deposit approximate their fair values at the reporting. Fair values for </font><font style="font-style: normal; font-weight: normal;">fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates </font><font style="font-style: normal; font-weight: normal;">currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Borrowings:<font style="font-style: normal; font-weight: normal;"> The fair values of the Company&#8217;s borrowings are estimated using discounted cash flow analyses </font><font style="font-style: normal; font-weight: normal;">based on the current borrowing rates for similar types of borrowing arrangements. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Accrued Interest Receivable/Payable:<font style="font-style: normal; font-weight: normal;"> The carrying amounts of accrued interest approximates fair value. </font></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-align: left;">Off-Balance Sheet Instruments:<font style="font-style: normal; font-weight: normal;"> Fair values for off-balance sheet, credit-related financial instruments are based </font><font style="font-style: normal; font-weight: normal;">on fees currently charged to enter into similar agreements, taking into account the remaining terms of the </font><font style="font-style: normal; font-weight: normal;">agreements and the counterparties&#8217; credit standing. The fair value of commitments is not material. </font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">Note 18.&#8195;Subsequent Events </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Subsequent events are events or transactions that occur after the balance sheet date but before the consolidated financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the balance sheet date, including the estimates inherent in the process of preparing consolidated financial statements. Non-recognized subsequent events are events that provide evidence that conditions that did not exist at the balance sheet date but arose after that date. Management has evaluated subsequent events occurring through March&#160;30, 2022, the date the consolidated financial statements were available to be issued and noted no items requiring accrual or disclosure. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">F-56<br></div></div></div>
<!--End Page 218-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 219-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: right;"><a name="tANXAA2"><!--Anchor--></a>Annex A</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold; margin-top: 223.5pt; text-align: center;">AGREEMENT AND PLAN OF MERGER AND REORGANIZATION</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; margin-top: 12.5pt; text-align: center;">by and between</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; margin-top: 12.5pt; text-align: center;">MVB Financial Corp.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; margin-top: 12.5pt; text-align: center;">and</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; margin-top: 12.5pt; text-align: center;">Integrated Financial Holdings, Inc.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; margin-top: 60.5pt; text-align: center;">Dated as of August&#160;12, 2022</div></div></div></div>
<!--End Page 219-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 220-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><u>TABLE OF CONTENTS</u></div><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 79.7%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA1">ARTICLE I</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA1">THE MERGER<font style="padding-left: 1.07pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAA1"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS11">1.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS11">The Merger<font style="padding-left: 2.37pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS11"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS12">1.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS12">Effective Time<font style="padding-left: 0.12pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS12"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS13">1.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS13">Effects of the Merger<font style="padding-left: 2.58pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS13"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS14">1.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS14">Conversion of Company Common Stock.<font style="padding-left: 1.36pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS14"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS15">1.5</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS15">Appraisal Rights<font style="padding-left: 2.19pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS15"><font style="padding-left: 5pt;">A-</font>2</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS16">1.6</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS16">Treatment of Company Preferred Stock<font style="padding-left: 4.25pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS16"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS17">1.7</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS17">Purchaser Common Stock<font style="padding-left: 4.42pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS17"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS18">1.8</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS18">Treatment of Company Equity Awards<font style="padding-left: 2.92pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS18"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS19">1.9</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS19">Articles of Incorporation of Surviving Corporation<font style="padding-left: 3.35pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS19"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS110">1.10</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS110">Bylaws of Surviving Corporation<font style="padding-left: 4.42pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS110"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS111">1.11</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS111">Tax Consequences<font style="padding-left: 0.12pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS111"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS112">1.12</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS112">Bank Merger<font style="padding-left: 1.82pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS112"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS113">1.13</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS113">Principal Executive Offices of Surviving Corporation<font style="padding-left: 2.42pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS113"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS114">1.14</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS114">Directors and Officers of the Surviving Corporation<font style="padding-left: 2.99pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS114"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA2">ARTICLE II </a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA2">EXCHANGE OF SHARES<font style="padding-left: 2.75pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA2">A-57</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS21">2.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS21">Purchaser to Make Shares Available<font style="padding-left: 2.97pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS21"><font style="padding-left: 5pt;">A-</font>5</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS22">2.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS22">Exchange of Shares<font style="padding-left: 4.43pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS22"><font style="padding-left: 5pt;">A-</font>5</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA3">ARTICLE III</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA3">REPRESENTATIONS AND WARRANTIES OF COMPANY<font style="padding-left: 4.12pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAA3"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS31">3.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS31">Corporate Organization<font style="padding-left: 0.16pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS31"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS32">3.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS32">Capitalization<font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS32"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS33">3.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS33">Authority; No Violation<font style="padding-left: 2.97pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS33"><font style="padding-left: 5pt;">A-</font>9</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS34">3.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS34">Consents and Approvals<font style="padding-left: 1.64pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS34">A-10</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS35">3.5</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS35">Reports<font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS35">A-10</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS36">3.6</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS36">Financial Statements<font style="padding-left: 1.08pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS36"><font style="padding-left: 0.37pt;">A-</font>11</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS37">3.7</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS37">Broker's Fees<font style="padding-left: 3.86pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS37">A-12</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS38">3.8</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS38">Absence of Certain Changes or Events<font style="padding-left: 1.68pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS38">A-12</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS39">3.9</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS39">Legal Proceedings<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS39">A-12</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS310">3.10</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS310">Taxes and Tax Returns<font style="padding-left: 2.12pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS310">A-12</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS311">3.11</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS311">Employee Benefits; Employees<font style="padding-left: 2.76pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS311">A-13</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS312">3.12</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS312">Compliance with Applicable Law<font style="padding-left: 3.32pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS312">A-16</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS313">3.13</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS313">Certain Contracts<font style="padding-left: 4.41pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS313">A-18</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS314">3.14</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS314">Agreements with Regulatory Agencies<font style="padding-left: 3.33pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS314">A-18</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS315">3.15</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS315">Risk Management Instruments<font style="padding-left: 1.1pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS315">A-19</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS316">3.16</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS316">Environmental Matters<font style="padding-left: 2.2pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS316">A-19</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS317">3.17</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS317">Investment Securities and Commodities<font style="padding-left: 3.32pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS317">A-19</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS318">3.18</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS318">Real Property; Leases<font style="padding-left: 1.1pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS318">A-20</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS319">3.19</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS319">Intellectual Property<font style="padding-left: 2.75pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS319">A-20</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS320">3.20</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS320">Related Party Transactions<font style="padding-left: 1.63pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS320">A-20</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS321">3.21</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS321">State Takeover Laws<font style="padding-left: 0.31pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS321">A-21</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS322">3.22</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS322">Reorganization<font style="padding-left: 4.59pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS322">A-21</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS323">3.23</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS323">Opinion<font style="padding-left: 2.72pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS323">A-21</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS324">3.24</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS324">Company Information<font style="padding-left: 0.52pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS324">A-21</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS325">3.25</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS325">Loan Portfolio<font style="padding-left: 1.07pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS325">A-21</a></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-i<br></div></div></div>
<!--End Page 220-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 221-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 79.7%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS326">3.26</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS326">Insurance<font style="padding-left: 1.63pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS326">A-22</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS327">3.27</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS327">Information Security<font style="padding-left: 1.08pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS327">A-22</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS328">3.28</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS328">Marijuana Business<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS328">A-22</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS329">3.29</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS329">[Reserved]<font style="padding-left: 1.64pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS329">A-23</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS330">3.30</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS330">Mortgage Banking Business<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS330">A-23</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS331">3.31</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS331">No Other Representations or Warranties<font style="padding-left: 2.11pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS331">A-24</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA4">ARTICLE IV</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA4">REPRESENTATIONS AND WARRANTIES OF PURCHASER<font style="padding-left: 4.3pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA4">A-24</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS41">4.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS41">Corporate Organization<font style="padding-left: 0.16pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS41">A-24</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS42">4.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS42">Capitalization<font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS42">A-25</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS43">4.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS43">Authority; No Violation<font style="padding-left: 2.97pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS43">A-26</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS44">4.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS44">Consents and Approvals<font style="padding-left: 1.64pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS44">A-26</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS45">4.5</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS45">Reports<font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS45">A-27</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS46">4.6</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS46">Financial Statements<font style="padding-left: 1.08pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS46">A-27</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS47">4.7</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS47">Broker's Fees<font style="padding-left: 3.86pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS47">A-28</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS48">4.8</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS48">Absence of Certain Changes or Events<font style="padding-left: 1.68pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS48">A-28</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS49">4.9</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS49">Legal Proceedings<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS49">A-28</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS410">4.10</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS410">Taxes and Tax Returns<font style="padding-left: 2.12pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS410">A-28</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS411">4.11</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS411">SEC Reports<font style="padding-left: 2.73pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS411">A-29</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS412">4.12</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS412">Compliance with Applicable Law<font style="padding-left: 3.32pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS412">A-29</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS413">4.13</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS413">Certain Contracts<font style="padding-left: 4.41pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS413">A-30</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS414">4.14</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS414">Agreements with Regulatory Agencies<font style="padding-left: 3.33pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS414">A-30</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS415">4.15</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS415">State Takeover Laws<font style="padding-left: 0.31pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS415">A-30</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS416">4.16</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS416">Reorganization<font style="padding-left: 4.59pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS416">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS417">4.17</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS417">Purchaser Information<font style="padding-left: 4.98pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS417">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS418">4.18</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS418">Information Security<font style="padding-left: 1.08pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS418">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS419">4.19</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS419">Opinion<font style="padding-left: 2.72pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS419">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS420">4.20</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS420">Tax Matters<font style="padding-left: 1.78pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS420">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS421">4.21</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS421">No Other Representations or Warranties<font style="padding-left: 2.11pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS421">A-31</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA5">ARTICLE V</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA5">COVENANTS RELATING TO CONDUCT OF BUSINESS<font style="padding-left: 3.33pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA5">A-32</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS51">5.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS51">Conduct of Business Prior to the Effective Time<font style="padding-left: 2.39pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS51">A-32</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS52">5.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS52">Company Forbearances<font style="padding-left: 4.98pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS52">A-32</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS53">5.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS53">Purchaser Forbearances<font style="padding-left: 4.44pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS53">A-35</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA6">ARTICLE VI</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA6">ADDITIONAL AGREEMENTS<font style="padding-left: 3.68pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA6">A-35</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS61">6.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS61">Regulatory Matters<font style="padding-left: 2.2pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS61">A-35</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS62">6.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS62">Access to Information<font style="padding-left: 4.99pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS62">A-36</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS63">6.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS63">Shareholders' Approvals<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS63">A-37</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS64">6.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS64">Legal Conditions to Merger<font style="padding-left: 1.83pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS64">A-38</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS65">6.5</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS65">Stock Exchange Listing<font style="padding-left: 3.3pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS65">A-38</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS66">6.6</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS66">Employee Benefit Plans<font style="padding-left: 2.2pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS66">A-38</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS67">6.7</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS67">Indemnification; Directors' and Officers' Insurance<font style="padding-left: 0.79pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS67">A-41</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS68">6.8</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS68">Additional Agreements<font style="padding-left: 1.63pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS68">A-42</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS69">6.9</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS69">Advice of Changes<font style="padding-left: 2.2pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS69">A-42</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS610">6.10</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS610">Dividends<font style="padding-left: 4.4pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS610">A-42</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS611">6.11</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS611">[Reserved.]<font style="padding-left: 4.14pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS611">A-42</a></div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-ii<br></div></div></div>
<!--End Page 221-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 222-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 7.69%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 79.7%; text-align: center; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 3.63%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS612">6.12</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS612">Acquisition Proposals<font style="padding-left: 1.63pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS612">A-42</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS613">6.13</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS613">Public Announcements<font style="padding-left: 2.18pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS613">A-43</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS614">6.14</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS614">Change of Method<font style="padding-left: 3.86pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS614">A-43</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS615">6.15</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS615">Restructuring Efforts<font style="padding-left: 0.16pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS615">A-43</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS616">6.16</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS616">Takeover Statutes<font style="padding-left: 3.45pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS616">A-43</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS617">6.17</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS617">Exemption from Liability Under Section 16(b)<font style="padding-left: 4.44pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS617">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS618">6.18</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS618">[Reserved.]<font style="padding-left: 4.14pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS618">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS619">6.19</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS619">Assumption of Company Debt<font style="padding-left: 0.53pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS619">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS620">6.20</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS620">Bank Merger<font style="padding-left: 1.82pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS620">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS621">6.21</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS621">Additional Covenants<font style="padding-left: 2.18pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS621">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS622">6.22</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS622">Employment Agreements<font style="padding-left: 2.74pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS622">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA7">ARTICLE VII</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA7">CONDITIONS PRECEDENT<font style="padding-left: 3.31pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA7">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS71">7.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS71">Conditions to Each Party's Obligation to Effect the Merger<font style="padding-left: 2.62pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS71">A-44</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS72">7.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS72">Conditions to Obligations of Purchaser<font style="padding-left: 1.1pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS72">A-45</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS73">7.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS73">Conditions to Obligations of Company<font style="padding-left: 1.64pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS73">A-46</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA8">ARTICLE VIII</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA8">TERMINATION AND AMENDMENT<font style="padding-left: 4.99pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA8">A-46</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS81">8.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS81">Termination<font style="padding-left: 1.76pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS81">A-46</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS82">8.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS82">Effect of Termination<font style="padding-left: 2.7pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS82">A-49</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS83">8.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS83">Amendment<font style="padding-left: 1.07pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS83">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS84">8.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS84">Extension; Waiver<font style="padding-left: 0.95pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS84">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td colspan="4" style="width: 14.1%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA9">ARTICLE IX</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAA9">GENERAL PROVISIONS<font style="padding-left: 2.01pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAA9">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS91">9.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS91">Closing<font style="padding-left: 4.39pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS91">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS92">9.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS92">Nonsurvival of Representations, Warranties and Agreements<font style="padding-left: 4.63pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS92">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS93">9.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS93">Expenses<font style="padding-left: 2.74pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS93">A-50</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS94">9.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS94">Notices<font style="padding-left: 4.96pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS94">A-51</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS95">9.5</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS95">Interpretation<font style="padding-left: 1.08pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS95">A-51</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS96">9.6</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS96">Counterparts<font style="padding-left: 3.85pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS96">A-52</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS97">9.7</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS97">Entire Agreement<font style="padding-left: 3.86pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS97">A-52</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS98">9.8</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS98">Governing Law; Jurisdiction<font style="padding-left: 3.87pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS98">A-52</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS99">9.9</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS99">Waiver of Jury Trial<font style="padding-left: 2.43pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS99">A-52</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS910">9.10</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS910">Assignment; Third Party Beneficiaries<font style="padding-left: 4.07pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS910">A-53</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS911">9.11</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS911">Specific Performance<font style="padding-left: 3.32pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS911">A-53</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS912">9.12</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS912">Severability<font style="padding-left: 2.18pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 3.63%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: justify;"><a href="#tANXAS912">A-53</a></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 7.69%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 9.25pt; text-align: left;"><a href="#tANXAS913">9.13</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 79.7%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#tANXAS913">Delivery by Facsimile or Electronic Transmission<font style="padding-left: 2.22pt;"></font></a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 3.63%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -3.55pt; text-align: left;"><a href="#tANXAS913">A-53</a></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.25pt; margin-left: 0pt; text-align: left;">Exhibit A - Forms of Voting Agreement</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-iii<br></div></div></div>
<!--End Page 222-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 223-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><u>INDEX</u> </div></div><div class="columns" style="width: 468pt; margin-left: 0pt;"><div class="block-main-columns" style="width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.39%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN1">Acquisition Proposal<font style="padding-left: 4.52pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN1">A-43</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN2">Additional Cash Payment<font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN2">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN3">Adjusted Exchange Ratio<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN3">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN4">affiliate<font style="padding-left: 3.59pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN4">A-51</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN5">Agency<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN5">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN6">Agreement<font style="padding-left: 0.07pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN6">A-55</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN7">Appraisal Shares<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN7"><font style="padding-left: 5pt;">A-</font>2</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN8">Bank Merger<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN8"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN9">Bank Merger Agreement<font style="padding-left: 3.61pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN9"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN10">Bank Merger Certificates<font style="padding-left: 1.4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN10"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN11">BHC Act<font style="padding-left: 1.73pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN11"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN12">business day<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN12">A-51</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN13">Cannabis Businesses<font style="padding-left: 0.09pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN13">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN14">Certificate<font style="padding-left: 2.3pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN14"><font style="padding-left: 5pt;">A-</font>2</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN15">certificates<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN15"><font style="padding-left: 5pt;">A-</font>5</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN16">Certificates of Merger<font style="padding-left: 4.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN16"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN17">Chosen Courts<font style="padding-left: 4.51pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN17">A-52</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN18">CIC Payment<font style="padding-left: 4.51pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN18">A-40</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN19">Closing<font style="padding-left: 3.39pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN19">A-50</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN20">Closing Date<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN20">A-50</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN21">Code<font style="padding-left: 3.39pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN21"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN22">Company<font style="padding-left: 0.61pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN22">A-55</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN23">Company 401(k) Plan<font style="padding-left: 4.52pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN23">A-14</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN24">Company Articles<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN24"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN25">Company Bank<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN25"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN26">Company Benefit Plans<font style="padding-left: 2.86pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN26">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN27">Company Bylaws<font style="padding-left: 2.29pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN27"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN28">Company Common Stock<font style="padding-left: 3.95pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN28">A-55</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN29">Company Contract<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN29">A-18</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN30">Company Disclosure Schedule<font style="padding-left: 4.54pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN30"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN31">Company Equity Awards<font style="padding-left: 2.66pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN31"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN32">Company ERISA Affiliate<font style="padding-left: 2.47pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN32">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN33">Company Indemnified Parties<font style="padding-left: 2.87pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN33">A-41</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN34">Company Insiders<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN34">A-44</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN35">Company Leased Properties<font style="padding-left: 0.1pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN35">A-20</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN36">Company Meeting<font style="padding-left: 3.96pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN36">A-37</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN37">Company Owned Properties<font style="padding-left: 4.54pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN37">A-20</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN38">Company Personal Data<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN38">A-17</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN39">Company Preferred Stock<font style="padding-left: 3.98pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN39"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN40">Company Qualified Plans<font style="padding-left: 4.53pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN40">A-14</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN41">Company Real Property<font style="padding-left: 1.19pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN41">A-20</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN42">Company Regulatory Agreement<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN42">A-19</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN43">Company Reports<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN43">A-10</a></div></td></tr></table></div><div class="block-main-columns" style="margin-left: 12pt; width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.39%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN44">Company Restricted Stock Award<font style="padding-left: 1.57pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN44"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN45">Company Security Breach<font style="padding-left: 2.31pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN45">A-17</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN46">Company Stock Option<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN46"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN47">Company Stock Plans<font style="padding-left: 4.52pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN47"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN48">Company Subsidiary<font style="padding-left: 4.51pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN48"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN49">Confidentiality Agreement<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN49">A-37</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN50">Continuing Employee<font style="padding-left: 0.62pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN50">A-38</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN51">Determination Date<font style="padding-left: 4.53pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN51">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN52">Effective Time<font style="padding-left: 4.12pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN52"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN53">Enforceability Exceptions<font style="padding-left: 4.53pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN53"><font style="padding-left: 5pt;">A-</font>9</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN54">Environmental Laws<font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN54">A-19</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN55">ERISA<font style="padding-left: 0.62pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN55">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN56">Exchange Act<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN56">A-21</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN57">Exchange Agent<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN57"><font style="padding-left: 5pt;">A-</font>5</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN58">Exchange Fund<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN58"><font style="padding-left: 5pt;">A-</font>5</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN59">Exchange Ratio<font style="padding-left: 0.07pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN59"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN60">FDIC<font style="padding-left: 1.73pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN60"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN61">Federal Reserve Board<font style="padding-left: 1.21pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN61">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN62">Final Index Price<font style="padding-left: 3.97pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN62">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN63">FinCEN<font style="padding-left: 1.17pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN63">A-22</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN64">GAAP<font style="padding-left: 2.29pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN64"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN65">Governmental Entity<font style="padding-left: 4.52pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN65">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN66">Hemp Businesses<font style="padding-left: 2.86pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN66">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN67">IDFPR<font style="padding-left: 1.17pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN67">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN68">Index Group<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN68">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN69">Index Price<font style="padding-left: 2.86pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN69">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN70">Index Ratio<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN70">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN71">Initial Index Price<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN71">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN72">Initial Purchaser Market Value<font style="padding-left: 4.74pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN72">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN73">Insurer<font style="padding-left: 1.18pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN73">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN74">Intellectual Property<font style="padding-left: 1.75pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN74">A-20</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN75">IRS<font style="padding-left: 3.95pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN75">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN76">knowledge<font style="padding-left: 0.62pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN76">A-51</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN77">Liens<font style="padding-left: 2.28pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN77"><font style="padding-left: 5pt;">A-</font>9</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN78">Loan Investor<font style="padding-left: 2.86pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN78">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN79">Loans<font style="padding-left: 0.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN79">A-21</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN80">made available<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN80">A-51</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN81">Marijuana Businesses<font style="padding-left: 1.2pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN81">A-23</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN82">Material Adverse Effect<font style="padding-left: 1.95pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN82"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN83">Materially Burdensome Regulatory Condition</a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN83">A-36</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN84">Merger<font style="padding-left: 0.25pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN84">A-55</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN85">Merger Consideration<font style="padding-left: 0.82pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN85"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr></table></div><div style="clear: both;"> </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-iv<br></div></div></div>
<!--End Page 223-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 224-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="columns" style="width: 468pt; margin-left: 0pt;"><div class="block-main-columns" style="width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.39%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN86">Multiemployer Plan<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN86">A-15</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN87">Multiple Employer Plan<font style="padding-left: 1.19pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN87">A-15</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN88">NASDAQ<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN88"><font style="padding-left: 5pt;">A-</font>6</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN89">NCBCA<font style="padding-left: 0.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN89"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN90">NCCOB<font style="padding-left: 0.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN90">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN91">New Plans<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN91">A-39</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN92">Non-Voting Common Stock<font style="padding-left: 0.81pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN92"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN93">Notice of Termination<font style="padding-left: 4.3pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN93">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN94">North Carolina SOS<font style="padding-left: 1.75pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN94"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN95">OTC Markets<font style="padding-left: 3.41pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN95">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN96">Other Company Equity Award<font style="padding-left: 0.45pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN96"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN97">Pandemic<font style="padding-left: 0.07pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN97"><font style="padding-left: 5pt;">A-</font>7</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN98">Pandemic Measures<font style="padding-left: 3.43pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN98"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN99">Permitted Encumbrances<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN99">A-20</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN100">person<font style="padding-left: 2.84pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN100">A-51</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN101">Premium Cap<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN101">A-41</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN102">PPACA<font style="padding-left: 3.2pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN102">A-14</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN103">Proxy Statement<font style="padding-left: 2.29pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN103">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN104">Purchaser<font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN104">A-55</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN105">Purchaser Articles<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN105"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN106">Purchaser Bank<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN106"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN107">Purchaser Bylaws<font style="padding-left: 1.76pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN107"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN108">Purchaser Common Stock<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN108"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN109">Purchaser Contract<font style="padding-left: 2.31pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN109">A-30</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN110">Purchaser Disclosure Schedule<font style="padding-left: 4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN110">A-24</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN111">Purchaser Equity Awards<font style="padding-left: 2.12pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN111">A-25</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN112">Purchaser Market Value<font style="padding-left: 1.95pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN112">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN113">Purchaser Meeting<font style="padding-left: 3.42pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN113">A-37</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN114">Purchaser Personal Data<font style="padding-left: 0.11pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN114">A-30</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN115">Purchaser Ratio<font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN115">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN116">Purchaser Regulatory Agreement<font style="padding-left: 0.11pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN116">A-30</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN117">Purchaser Reports<font style="padding-left: 0.64pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN117">A-29</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN118">Purchaser Restricted Stock Award<font style="padding-left: 1.03pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN118">A-25</a></div></td></tr></table></div><div class="block-main-columns" style="margin-left: 12pt; width: 228pt; float: left;"><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 228pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;</div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 3.39%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 9.01%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Page</div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN119">Purchaser Security Breach<font style="padding-left: 1.78pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 4.25pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN119">A-30</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN120">Purchaser Stock Option<font style="padding-left: 2.87pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN120"><font style="padding-left: 5pt;">A-</font>3</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN121">Purchaser Stock Options<font style="padding-left: 3.98pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN121">A-25</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN122">Purchaser Stock Plans<font style="padding-left: 3.98pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN122">A-25</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN123">Purchaser Subsidiary<font style="padding-left: 3.98pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN123">A-24</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN124">Raymond James<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN124">A-12</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN125">Regulatory Agencies<font style="padding-left: 0.08pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN125"><font style="padding-left: 0.37pt;">A-</font>11</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN126">Representatives<font style="padding-left: 1.19pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN126">A-42</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN127">Requisite Company Vote<font style="padding-left: 3.22pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN127"><font style="padding-left: 5pt;">A-</font>9</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN128">Requisite Purchaser Vote<font style="padding-left: 2.68pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN128">A-26</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN129">Requisite Regulatory Approvals<font style="padding-left: 4.53pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN129">A-36</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN130">S-4<font style="padding-left: 0.61pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN130">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN131">SAR<font style="padding-left: 0.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN131">A-22</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN132">SEC<font style="padding-left: 1.16pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN132">A-10</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN133">Securities Act<font style="padding-left: 2.85pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN133">A-29</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN134">SRO<font style="padding-left: 0.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN134"><font style="padding-left: 0.37pt;">A-</font>11</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN135">Starting Date<font style="padding-left: 0.63pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN135">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN136">Subsidiary<font style="padding-left: 1.73pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN136"><font style="padding-left: 5pt;">A-</font>8</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN137">Surviving Corporation<font style="padding-left: 3.4pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN137"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN138">Takeover Statutes<font style="padding-left: 2.45pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN138">A-21</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN139">Tax<font style="padding-left: 4.65pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN139">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN140">Tax Return<font style="padding-left: 4.1pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN140">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN141">Taxes<font style="padding-left: 1.32pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN141">A-13</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN142">Termination Date<font style="padding-left: 3.56pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN142">A-47</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN143">Termination Effective Time<font style="padding-left: 2.06pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN143">A-48</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN144">Termination Fee<font style="padding-left: 3pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN144">A-49</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN145">Total Payments<font style="padding-left: 1.88pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: justify;"><a href="#iIN145">A-40</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN146">Treasury Regulations<font style="padding-left: 3.21pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN146"><font style="padding-left: 5pt;">A-</font>4</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN147">Voting Agreements<font style="padding-left: 1.92pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN147"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN148">Voting Common Stock<font style="padding-left: 1.36pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN148"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN149">West Virginia SOS<font style="padding-left: 2.39pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN149"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN150">WVBCA<font style="padding-left: 2.29pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN150"><font style="padding-left: 5pt;">A-</font>1</a></div></td></tr><tr><td style="width: 84.21%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><a href="#iIN151">WVDFI<font style="padding-left: 1.74pt;"></font></a></div></td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 3.39%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 9.01%; text-align: left; vertical-align: bottom; white-space: nowrap; padding-top: 3pt; padding-bottom: 3pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: -0.01pt; text-align: left;"><a href="#iIN151">A-10</a></div></td></tr></table></div><div style="clear: both;"> </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-v<br></div></div></div>
<!--End Page 224-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 225-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; text-align: center;"><a name="tANXAA"><!--Anchor--></a>AGREEMENT AND PLAN OF MERGER AND REORGANIZATION</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">AGREEMENT AND PLAN OF MERGER AND REORGANIZATION, dated as of August&#160;12, 2022 (this <a name="iIN22"><!--Anchor--></a>&#8220;Agreement&#8221;), by and between Integrated Financial Holdings, Inc., a North Carolina corporation (&#8220;<u>Company</u>&#8221;), and MVB Financial Corp., a West Virginia corporation (&#8220;<u>Purchaser</u>&#8221;).</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 18.5pt; text-align: center;">RECITALS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS, the Boards of Directors of Purchaser and Company have determined that it is in the best interests of their respective companies and their shareholders to consummate the strategic business combination transaction provided for herein, pursuant to which Company will, subject to the terms and conditions set forth <a name="iIN84"><!--Anchor--></a>herein, merge with and into Purchaser (the &#8220;<u>Merger</u>&#8221;), so that Purchaser is the surviving corporation (hereinafter <a name="iIN137"><!--Anchor--></a>sometimes referred to in such capacity as the &#8220;<u>Surviving Corporation</u>&#8221;) in the Merger; and</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS, for Federal income tax purposes, it is intended that the Merger qualify as a &#8220;reorganization&#8221; <a name="iIN21"><!--Anchor--></a>within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended (the &#8220;<u>Code</u>&#8221;), and this Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections 354 and 361 of the Code; and</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS, as an inducement for Purchaser to enter into this Agreement, the directors and certain executive officers of Company, in their capacity as shareholders, have simultaneously herewith entered into a voting <a name="iIN147"><!--Anchor--></a>agreement (collectively, the &#8220;<u>Voting Agreements</u>&#8221;) in connection with the Merger, substantially in the forms attached hereto as Exhibit A; and</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS, the parties desire to make certain representations, warranties and agreements in connection with the Merger and also to prescribe certain conditions to the Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">NOW, THEREFORE, in consideration of the mutual covenants, representations, warranties and agreements contained herein, and intending to be legally bound hereby, the parties agree as follows:</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; text-align: center;"><a name="tANXAA1"><!--Anchor--></a>ARTICLE I<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">THE MERGER</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS11"><!--Anchor--></a>1.1&#8195;<u>The Merger</u>. Subject to the terms and conditions of this Agreement, in accordance with the West <a name="iIN150"><!--Anchor--></a>Virginia Business Corporation Act (the &#8220;<u>WVBCA</u>&#8221;) and the North Carolina Business Corporation Act (the <a name="iIN89"><!--Anchor--></a>&#8220;<u>NCBCA</u>&#8221;), at the Effective Time, Company shall merge with and into Purchaser. Purchaser shall be the Surviving Corporation in the Merger, and shall continue its corporate existence under the laws of the State of West Virginia. Upon consummation of the Merger, the separate corporate existence of Company shall terminate.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS12"><!--Anchor--></a>1.2&#8195;<u>Effective Time</u>. The Merger shall become effective as set forth in the articles of merger to be filed <a name="iIN94"><!--Anchor--></a>with the North Carolina Secretary of State (the &#8220;<u>North Carolina SOS</u>&#8221;) and the articles of merger to be filed <a name="iIN149"><!--Anchor--></a>with the West Virginia Secretary of State (the &#8220;<u>West Virginia SOS</u>&#8221;), respectively, on the Closing Date <a name="iIN16"><!--Anchor--></a>(collectively, the &#8220;<u>Certificates of Merger</u><a name="iIN52"><!--Anchor--></a>&#8221;). The term &#8220;<u>Effective Time</u>&#8221; shall be the date and time when the Merger becomes effective, as set forth in the Certificates of Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS13"><!--Anchor--></a>1.3&#8195;<u>Effects of the Merger</u>. At and after the Effective Time, the Merger shall have the effects set forth in the applicable provisions of the WVBCA and the NCBCA. Without limiting the generality of the foregoing, and subject thereto, at the Effective Time, all the property, rights, privileges, powers and franchises of the Company shall vest in the Surviving Corporation, and all debts, liabilities and duties of the Company shall become the debts, liabilities and duties of the Surviving Corporation.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS14"><!--Anchor--></a>1.4&#8195;<u>Conversion of Company Common Stock</u>. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Subject to Section 2.2(e), each share of the voting common stock, $1.00 par value per share <a name="iIN148"><!--Anchor--></a>(&#8220;<u>Voting Common Stock</u><a name="iIN92"><!--Anchor--></a>&#8221;) and non-voting common stock, $1.00 par value per share (&#8220;<u>Non-Voting </u><u>Common Stock</u>&#8221;), of Company issued and outstanding immediately prior to the Effective Time (collectively, <a name="iIN28"><!--Anchor--></a>&#8220;<u>Company Common Stock</u>&#8221;), except for (i)&#160;shares of Company Common Stock owned by Company as treasury stock or owned by Company or Purchaser or a Subsidiary of either (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and (ii)&#160;Appraisal Shares, shall be <a name="iIN59"><!--Anchor--></a>converted into the right to receive 1.21 shares (the &#8220;<u>Exchange Ratio</u><a name="iIN85"><!--Anchor--></a>&#8221; and such shares, the &#8220;<u>Merger </u><u>Consideration</u><a name="iIN108"><!--Anchor--></a>&#8221;) of the common stock, $1.00 par value per share, of Purchaser (the &#8220;<u>Purchaser Common </u></div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-1<br></div></div></div>
<!--End Page 225-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 226-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;"><u>Stock</u>&#8221;); it being understood that upon the Effective Time, the Purchaser Common Stock, including the shares issued to former holders of Company Common Stock, shall be the common shares of the Surviving Corporation. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;All of the shares of Company Common Stock converted into the right to receive Purchaser Common Stock pursuant to this Article I shall no longer be outstanding and shall automatically be cancelled <a name="iIN14"><!--Anchor--></a>and shall cease to exist as of the Effective Time, and each certificate (each, a &#8220;<u>Certificate</u>&#8221;, it being understood that any reference herein to &#8220;<u>Certificate</u>&#8221; shall be deemed to include reference to book-entry account statements relating to the ownership of shares of Company Common Stock) previously representing any such shares of Company Common Stock shall thereafter represent only the right to receive (i)&#160;the number of whole shares of Purchaser Common Stock which such shares of Company Common Stock have been converted into the right to receive, (ii)&#160;cash in lieu of fractional shares which the shares of Company Common Stock represented by such Certificate have been converted into the right to receive pursuant to this Section 1.4 and Section 2.2(e), without any interest thereon and (iii)&#160;any dividends or distributions which the holder thereof has the right to receive pursuant to Section 2.2. Certificates previously representing shares of Company Common Stock shall be exchanged for certificates or, at Purchaser's option, evidence of shares in book-entry form representing whole shares of Purchaser Common Stock (together with any dividends or distributions with respect thereto and cash in lieu of fractional shares issued in consideration therefor) upon the surrender of such Certificates in accordance with Section 2.2, without any interest thereon. If, prior to the Effective Time, the outstanding shares of Purchaser Common Stock or Company Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend, stock split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend or distribution, an appropriate and proportionate adjustment shall be made to the Exchange Ratio to give the holders of Company Common Stock the same economic effect as contemplated by this Agreement prior to such event.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;Notwithstanding anything in this Agreement to the contrary, at the Effective Time, all shares of Company Common Stock that are owned by Company or Purchaser (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) shall be cancelled and shall cease to exist and no stock of Purchaser or other consideration shall be delivered in exchange therefor.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS15"><!--Anchor--></a>1.5&#8195;<u>Appraisal Rights</u>. Each holder of shares of Company Common Stock shall be entitled to exercise appraisal rights in accordance with and as contemplated by Section 55-13-02 of the NCBCA. Any holder of Company Common Stock who perfects such holder's appraisal rights in accordance with Article 13 of the <a name="iIN7"><!--Anchor--></a>NCBCA shall be entitled to receive the fair value of such holder's shares (&#8220;<u>Appraisal Shares</u>&#8221;) in cash as determined pursuant to the provisions of Article 13 of the NCBCA (and at the Effective Time, such Appraisal Shares shall no longer be outstanding and shall automatically be cancelled and shall cease to exist and such holder shall cease to have any rights with respect thereto, except the rights provided for pursuant to the applicable provisions of the NCBCA and this Section 1.5); provided that no such payment shall be made to any shareholder asserting appraisal rights unless and until such shareholder has complied with the applicable provisions of Article 13 of the NCBCA and surrendered to Company (or, as applicable, the Surviving Corporation) the Certificate or Certificates (if such shares are in certificated form) representing the Appraisal Shares for which payment is being made or has given written instructions for the surrender of any such Appraisal Shares held in book-entry form. In the event that after the Effective Time a shareholder of the Company asserting appraisal rights fails to perfect, or effectively withdraws or loses, such holder's right to appraisal and of payment for such holder's shares under Article 13 of the NCBCA, Purchaser shall issue and deliver the Merger Consideration to which such holder of Company Common Stock is entitled under Section 1.4 upon surrender by such holder of the Certificate or Certificates representing shares of Company Common Stock held by such holder or delivery of a written instruction for the surrender of any such shares held in book entry form. Company shall give Purchaser (a) prompt notice, and a copy, of any written notices to exercise appraisal rights in respect of any shares of Company Common Stock, attempted withdrawals of such notices and any other instruments and documents served pursuant to the NCBCA and received by Company relating to appraisal rights and (b) the opportunity to participate in negotiations and proceedings with respect to demands for fair value under the NCBCA. Company shall not, except with the prior written consent of Purchaser or as otherwise required by </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-2<br></div></div></div>
<!--End Page 226-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 227-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">applicable law, make any payment with respect to, or settle, or offer or agree to settle, any such demand for payment. Any portion of the Exchange Fund (as defined herein) made available to the Exchange Agent pursuant to Article II to pay for shares of Company Common Stock for which appraisal rights have been perfected shall be returned to Purchaser upon demand. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS16"><!--Anchor--></a>1.6&#8195;<u>Treatment of Company Preferred Stock</u>. At the Effective Time, by virtue of the Merger and without any action on the part of Purchaser or the Company, each share of Preferred Stock, $100.00 par value per share, <a name="iIN39"><!--Anchor--></a>of Company (the &#8220;<u>Company Preferred Stock</u>&#8221;) shall automatically be cancelled and shall cease to exist as of the Effective Time, and no consideration shall be delivered in exchange therefor.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS17"><!--Anchor--></a>1.7&#8195;<u>Purchaser Common Stock</u>. At and after the Effective Time, each share of Purchaser Common Stock issued and outstanding immediately prior to the Effective Time shall remain an issued and outstanding common share of the Surviving Corporation and shall not be affected by the Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS18"><!--Anchor--></a>1.8&#8195;<u>Treatment of Company Equity Awards</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;At the Effective Time, each option granted by Company to purchase shares of Company Common Stock under a Company Stock Plan (as defined below), whether vested or unvested, that is outstanding and <a name="iIN46"><!--Anchor--></a>unexercised immediately prior to the Effective Time (a &#8220;<u>Company Stock Option</u>&#8221;) shall without any further action on the part of any holder thereof, be assumed by Purchaser and shall be converted into an option to <a name="iIN120"><!--Anchor--></a>purchase Purchaser Common Stock (a &#8220;<u>Purchaser Stock Option</u>&#8221;) in accordance with this Section 1.8(a). Each such Purchaser Stock Option as so assumed and converted shall continue to have, and shall be subject to, the same terms and conditions as applied to the Company Stock Option immediately prior to the Effective Time. As of the Effective Time, each such Purchaser Stock Option as so assumed and converted shall be an option to acquire that number of whole shares of Purchaser Common Stock (rounded down to the nearest whole share) equal to the product of (i)&#160;the number of shares of Company Common Stock subject to such Company Stock Option, multiplied by (ii)&#160;the Exchange Ratio, at an exercise price per share of Purchaser Common Stock (rounded up to the nearest whole cent) equal to the quotient obtained by dividing (A) the exercise price per share of Company Common Stock of such Company Stock Option by (B) the Exchange Ratio, provided, that the exercise price and the number of shares of Purchaser Common Stock subject to the Purchaser Stock Option shall be determined in a manner consistent with the requirements of Section 409A of the Code, and, in the case of Company Stock Options that are intended to qualify as incentive stock options within the meaning of Section&#160;422 of the Code, consistent with the requirements of Section 424(a) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Immediately prior to the Effective Time (but contingent upon the Closing), each award in respect of a share of Company Common Stock subject to vesting, repurchase or other lapse restriction granted under a Company Stock Plan that is unvested or contingent and outstanding immediately prior to the Effective <a name="iIN44"><!--Anchor--></a>Time (a &#8220;<u>Company Restricted Stock Award</u>&#8221;) shall fully vest (with any performance-based vesting condition applicable to such Company Restricted Stock Award deemed satisfied to the extent provided in the applicable award agreement) and shall be cancelled and converted automatically into the right to receive Merger Consideration in respect of each such share of Company Common Stock under such Company Restricted Stock Award, less applicable withholding Taxes. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;At the Effective Time, each Other Company Equity Award, whether or not then vested or free of conditions to payment, automatically and without any action on the part of the holder thereof, shall be cancelled and converted into the right to receive a number of shares of Purchaser Common Stock equal to the product of (i)&#160;the number of shares of Company Common Stock subject to such Other Company Equity Award multiplied by (ii)&#160;the Exchange Ratio, with cash payable in lieu of fractional shares. The Surviving Corporation shall issue the consideration described in this Section 1.8(c), net of applicable Tax withholdings, which shall be accomplished through the withholding of shares of Purchaser Common Stock with a value equal to the applicable Tax withholding obligation, within five (5) business days following the Closing Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Purchaser shall take all corporate action necessary to issue a sufficient number of shares of Purchaser Common Stock with respect to the settlement of Company Equity Awards contemplated by this Section 1.8. Any resolutions adopted or notices or other documents issued to award holders in connection with Company's implementation of this Section 1.8 shall be subject to Purchaser's reasonable prior review and approval, which shall not be unreasonably withheld, conditioned or delayed.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-3<br></div></div></div>
<!--End Page 227-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 228-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;At or prior to the Effective Time, Company, the Board of Directors of Company and its compensation committee, as applicable, and Purchaser, the Board of Directors of Purchaser, and its Compensation Committee, as applicable, shall adopt any resolutions and take any actions that are necessary to effectuate the provisions of this Section 1.8.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;For purposes of this Agreement, </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;"><a name="iIN47"><!--Anchor--></a>(i)&#8195;the term &#8220;<u>Company Stock Plans</u>&#8221; means Company's 2018 Omnibus Stock Incentive Plan, 2019 Omnibus Stock Incentive Plan, 2010 Stock Option Plan, 2013 Stock Option Plan and all other employee and director equity incentive plans or agreements of Company as of the date of this Agreement; and </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;"><a name="iIN96"><!--Anchor--></a>(ii)&#8195;the term &#8220;<u>Other Company Equity Award</u>&#8221; means each other equity-based award granted by the Company under the Company Stock Plans that is outstanding immediately prior to the Effective Time and that is not a Company Stock Option or a Company Restricted Stock Award (and together <a name="iIN31"><!--Anchor--></a>with the Company Stock Options and the Company Restricted Stock Awards, the &#8220;<u>Company Equity </u><u>Awards</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS19"><!--Anchor--></a>1.9&#8195;<u>Articles of Incorporation of Surviving Corporation</u>. At the Effective Time, the Articles of <a name="iIN105"><!--Anchor--></a>Incorporation, as amended, of Purchaser (the &#8220;<u>Purchaser Articles</u>&#8221;), as in effect at the Effective Time, shall be the Articles of Incorporation of the Surviving Corporation until thereafter amended in accordance with applicable law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS110"><!--Anchor--></a>1.10&#8195;<u>Bylaws of Surviving Corporation</u>. At the Effective Time, the Second Amended and Restated Bylaws, <a name="iIN107"><!--Anchor--></a>as amended, of Purchaser (the &#8220;<u>Purchaser Bylaws</u>&#8221;), as in effect immediately prior to the Effective Time, shall be the Bylaws of the Surviving Corporation until thereafter amended in accordance with applicable law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS111"><!--Anchor--></a>1.11&#8195;<u>Tax Consequences</u>. The parties to this Agreement intend that the Merger constitute and qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. The parties intend for this Agreement to be, and hereby adopt it as, a &#8220;plan of reorganization&#8221; within the meaning of Sections 1.368-2(g) and 1.368-3(a) of <a name="iIN146"><!--Anchor--></a>the final regulations promulgated under the Code by the United States Department of the Treasury (the &#8220;<u>Treasury </u><u>Regulations</u>&#8221;) and for purposes of Sections 354 and 361 of the Code. The parties agree to cooperate and use their best efforts in order to qualify the transactions contemplated herein as a reorganization under Section&#160;368(a)(1)(A) of the Code, to not take any action that could reasonably be expected to cause the Merger to fail to so qualify, and to report the Merger for federal, state, and any local income Tax purposes in a manner consistent with such characterization. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS112"><!--Anchor--></a>1.12&#8195;<u>Bank Merger</u><a name="iIN25"><!--Anchor--></a>. Subsequent to the Effective Time, West Town Bank &amp; Trust (&#8220;<u>Company Bank</u>&#8221;), an Illinois state chartered bank and a wholly-owned Subsidiary of Company, may, upon the direction of Purchaser, <a name="iIN8"><!--Anchor--></a>merge (the &#8220;<u>Bank Merger</u><a name="iIN106"><!--Anchor--></a>&#8221;) with and into MVB Bank, Inc. (&#8220;<u>Purchaser Bank</u>&#8221;), a West Virginia state chartered bank and a wholly-owned Subsidiary of Purchaser. Company and Purchaser agree that the Bank Merger would become effective, if at all, at a time after the Effective Time as determined by the Board of Directors of the Surviving Corporation. If consummated, Purchaser Bank would be the surviving entity in the Bank Merger and, following the Bank Merger, the separate corporate existence of Company Bank would cease. The Bank Merger would be implemented, if at all, pursuant to a bank merger agreement, in a form to be specified by Purchaser <a name="iIN9"><!--Anchor--></a>(the &#8220;<u>Bank Merger Agreement</u>&#8221;). If the Bank Merger is consummated, Purchaser would cause Company Bank and Purchaser Bank to execute such articles of merger, certificates of merger and articles of combination and <a name="iIN10"><!--Anchor--></a>such other documents and certificates as are necessary to make the Bank Merger effective (&#8220;<u>Bank Merger </u><u>Certificates</u>&#8221;) following the Effective Time at a time determined pursuant to this Section 1.12.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS113"><!--Anchor--></a>1.13&#8195;<u>Principal Executive Offices of Surviving Corporation</u>. The principal executive offices of Purchaser as of the date of this Agreement shall be the principal executive offices of the Surviving Corporation. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS114"><!--Anchor--></a>1.14&#8195;<u>Directors and Officers of the Surviving Corporation</u>. As of the Effective Time: </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;The directors of the Surviving Corporation shall be the directors of Purchaser immediately prior to the Effective Time, each of whom shall serve as the directors of the Surviving Corporation until the next annual meeting of shareholders and until such time as their respective successors have been duly elected and qualified, or until their earlier death, resignation or removal from office. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-4<br></div></div></div>
<!--End Page 228-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 229-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg11"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;The executive officers of the Surviving Corporation shall continue as executive officers of Purchaser immediately prior to the Effective Time, each of whom shall serve until their respective successors are duly appointed and qualified or their earlier death, resignation or removal. </div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; text-align: center;"><a name="tANXAA2"><!--Anchor--></a>ARTICLE II<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">EXCHANGE OF SHARES</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS21"><!--Anchor--></a>2.1&#8195;<u>Purchaser to Make Shares Available</u>. At or prior to the Effective Time, Purchaser shall deposit, or shall cause to be deposited, with an exchange agent designated by Purchaser and reasonably acceptable to Company <a name="iIN57"><!--Anchor--></a>(the &#8220;<u>Exchange Agent</u>&#8221;), for the benefit of the holders of Certificates, for exchange in accordance with this <a name="iIN15"><!--Anchor--></a>Article II, evidence of shares in book entry form (collectively, referred to herein as &#8220;<u>certificates</u>&#8221;), representing the shares of Purchaser Common Stock, and cash in lieu of any fractional shares (such cash and certificates for shares of Purchaser Common Stock, together with any dividends or distributions with respect thereto, being <a name="iIN58"><!--Anchor--></a>hereinafter referred to as the &#8220;<u>Exchange Fund</u>&#8221;), to be issued pursuant to Section 1.4 and paid pursuant to Section 2.2(a) in exchange for outstanding shares of Company Common Stock. The Exchange Agent shall invest any cash included in the Exchange Fund as directed by Purchaser; provided, that no such investment or losses thereon shall affect the merger consideration payable to the holders of Certificates. Any interest and other income resulting from such investments shall be paid to Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS22"><!--Anchor--></a>2.2&#8195;<u>Exchange of Shares</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;As promptly as practicable after the Effective Time, but in no event later than ten (10) calendar days thereafter, Purchaser shall cause the Exchange Agent to mail to each holder of record of one or more Certificates representing shares of Company Common Stock at the Effective Time that have been converted at the Effective Time into the right to receive Purchaser Common Stock pursuant to Article I, a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and title to the Certificates shall pass, only upon proper delivery of the Certificates to the Exchange Agent) and instructions for use in effecting the surrender of the Certificates in exchange for certificates representing the number of whole shares of Purchaser Common Stock and any cash in lieu of fractional shares, which the shares of Company Common Stock represented by such Certificate or Certificates shall have been converted into the right to receive pursuant to this Agreement as well as any dividends or distributions to be paid pursuant to Section 2.2(b). Upon proper surrender of a Certificate or Certificates for exchange and cancellation to the Exchange Agent, together with such properly completed letter of transmittal, duly executed, the holder of such Certificate or Certificates shall be entitled to receive in exchange therefor, as applicable, (i)&#160;a certificate representing that number of whole shares of Purchaser Common Stock to which such holder of Company Common Stock shall have become entitled pursuant to the provisions of Article I and (ii)&#160;a check representing the amount of (A) any cash in lieu of fractional shares which such holder has the right to receive in respect of the Certificate or Certificates surrendered pursuant to the provisions of this Article II and (B) any dividends or distributions which the holder thereof has the right to receive pursuant to this Section 2.2, and the Certificate or Certificates so surrendered shall forthwith be cancelled. No interest will be paid or accrued on any cash in lieu of fractional shares payable to holders of Certificates. Until surrendered as contemplated by this Section 2.2, each Certificate shall be deemed at any time after the Effective Time to represent only the right to receive, upon surrender, the number of whole shares of Purchaser Common Stock which the shares of Company Common Stock represented by such Certificate have been converted into the right to receive and any cash in lieu of fractional shares or in respect of dividends or distributions as contemplated by this Section 2.2.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;No dividends or other distributions declared with respect to Purchaser Common Stock shall be paid to the holder of any unsurrendered Certificate until the holder thereof shall surrender such Certificate in accordance with this Article II. After the surrender of a Certificate in accordance with this Article II, the record holder thereof shall be entitled to receive any such dividends or other distributions, without any interest thereon, which theretofore had become payable with respect to the whole shares of Purchaser Common Stock which the shares of Company Common Stock represented by such Certificate have been converted into the right to receive.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;If any certificate representing shares of Purchaser Common Stock is to be issued in a name other than that in which the Certificate or Certificates surrendered in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Certificate or Certificates so surrendered shall be properly endorsed (or accompanied by an appropriate instrument of transfer) and otherwise in proper form for </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-5<br></div></div></div>
<!--End Page 229-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 230-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg12"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other similar Taxes required by reason of the issuance of a certificate representing shares of Purchaser Common Stock in any name other than that of the registered holder of the Certificate or Certificates surrendered, or required for any other reason, or shall establish to the satisfaction of the Exchange Agent that such Tax has been paid or is not payable.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;After the Effective Time, there shall be no transfers on the stock transfer books of Company of the shares of Company Common Stock that were issued and outstanding immediately prior to the Effective Time. If, after the Effective Time, Certificates representing such shares are presented for transfer to the Exchange Agent, they shall be cancelled and exchanged for (i)&#160;certificates representing shares of Purchaser Common Stock and (ii)&#160;any cash in lieu of fractional shares or in respect of dividends or distributions as provided in this Article&#160;II.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;Notwithstanding anything to the contrary contained herein, no certificates or scrip representing fractional shares of Purchaser Common Stock shall be issued upon the surrender for exchange of Certificates, no dividend or distribution with respect to Purchaser Common Stock shall be payable on or with respect to any fractional share, and such fractional share interests shall not entitle the owner thereof to vote or to any other rights of a shareholder of Purchaser. In lieu of the issuance of any such fractional share, Purchaser shall pay to each former shareholder of Company who otherwise would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined by multiplying (i)&#160;the average of the daily closing-sale prices of Purchaser Common Stock on the NASDAQ Stock Market LLC <a name="iIN88"><!--Anchor--></a>(&#8220;<u>NASDAQ</u>&#8221;) as reported by THE WALL STREET JOURNAL for the five (5) full trading days ending on the day immediately preceding the Closing Date by (ii)&#160;the fraction of a share (rounded to the nearest thousandth when expressed in decimal form) of Purchaser Common Stock which such holder would otherwise be entitled to receive pursuant to Section 1.4.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;Any portion of the Exchange Fund that remains unclaimed by the shareholders of Company for twelve&#160;(12) months after the Effective Time shall be paid to the Surviving Corporation. Any former shareholders of Company who have not theretofore complied with this Article II shall thereafter look only to the Surviving Corporation for payment of the shares of Purchaser Common Stock and cash in lieu of any fractional shares, and any unpaid dividends and distributions on the Purchaser Common Stock deliverable in respect of each former share of Company Common Stock such shareholder holds as determined pursuant to this Agreement, in each case, without any interest thereon (except to the extent required in connection with a Company shareholder's exercise of appraisal rights under Section 1.5). Notwithstanding the foregoing, none of Purchaser, Company, the Surviving Corporation, the Exchange Agent or any other person shall be liable to any former holder of shares of Company Common Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar laws.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;Purchaser shall be entitled to deduct and withhold, or cause the Exchange Agent to deduct and withhold, from any cash in lieu of fractional shares of Purchaser Common Stock, cash dividends or distributions payable pursuant to this Section 2.2 or any other cash amounts otherwise payable pursuant to this Agreement to any holder of Company Common Stock or Company Equity Award such amounts as it is required to deduct and withhold with respect to the making of such payment under the Code or any provision of state, local or foreign Tax law. To the extent that amounts are so withheld by Purchaser or the Exchange Agent, as the case may be, and paid over to the appropriate Governmental Entity, the withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of Company Common Stock or Company Equity Award in respect of which the deduction and withholding was made by Purchaser or the Exchange Agent, as the case may be.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(h)&#8195;In the event any Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the person claiming such Certificate to be lost, stolen or destroyed and, if required by Purchaser, the posting by such person of a bond in such amount as Purchaser may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Exchange Agent will issue in exchange for such lost, stolen or destroyed Certificate the shares of Purchaser Common Stock and any cash in lieu of fractional shares deliverable in respect thereof pursuant to this Agreement.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-6<br></div></div></div>
<!--End Page 230-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 231-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg13"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tANXAA3"><!--Anchor--></a>ARTICLE III<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">REPRESENTATIONS AND WARRANTIES OF COMPANY</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Except as disclosed in the correspondingly numbered section of the disclosure schedule delivered by <a name="iIN30"><!--Anchor--></a>Company to Purchaser concurrently herewith (the &#8220;<u>Company Disclosure Schedule</u>&#8221;); provided, that (a) no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (b) the mere inclusion of an item in the Company Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Company that such item represents a material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect and (c) any disclosures made with respect to a section of Article III shall be deemed to qualify (1) any other section of Article III specifically referenced or cross-referenced and (2) other sections of Article III to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections, Company hereby represents and warrants to Purchaser as follows:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS31"><!--Anchor--></a>3.1&#8195;<u>Corporate Organization</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Company is a corporation duly organized and validly existing under the laws of the State of North Carolina and is a bank holding company duly registered under the Bank Holding Company Act of 1956, as <a name="iIN11"><!--Anchor--></a>amended (&#8220;<u>BHC Act</u>&#8221;) that has elected to be treated as a financial holding company under the BHC Act. Company has all requisite corporate power and authority to own or lease all of its properties and assets and to carry on its business as it is now being conducted. Company is duly licensed or qualified to do business and, where such concept is recognized under applicable law, is in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified or in good standing would not, either individually or in the aggregate, reasonably be <a name="iIN82"><!--Anchor--></a>expected to have a Material Adverse Effect on Company. As used in this Agreement, the term &#8220;<u>Material </u><u>Adverse Effect</u>&#8221; means, with respect to Purchaser, Company or the Surviving Corporation, as the case may be, a material adverse effect on (i)&#160;the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries taken as a whole (provided, however, that Material Adverse Effect shall not be deemed to include the impact of (A) changes, after the date hereof, in U.S. <a name="iIN64"><!--Anchor--></a>generally accepted accounting principles (&#8220;<u>GAAP</u>&#8221;) or applicable regulatory accounting requirements, (B)&#160;changes, after the date hereof, in laws, rules or regulations (including the Pandemic Measures) of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C) changes, after the date hereof, in global, national or regional political conditions (including the outbreak of war or acts of terrorism) or in economic or market conditions affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries, including any such changes arising out of the Pandemic or any Pandemic Measures, (D) changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods or other natural disasters or from any outbreak of any disease or other public health event (including the Pandemic), (E) public disclosure of the transactions contemplated hereby or actions expressly required by this Agreement or actions or omissions that are taken with the prior written consent of the other party in contemplation of the transactions contemplated hereby, (F) a decline in the trading price of such person's common stock or the failure, in and of itself, to meet internal or other estimates, predictions, projections or forecasts of revenue, net income or any other measure of financial performance or budget, business or strategic plan for any period (it being understood that the underlying cause of such decline or failure may be taken into account in determining whether a Material Adverse Effect on such person has occurred to the extent not otherwise excluded by this provision), (G) the expenses incurred by Company or Purchaser in negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement, or (H) changes proximately caused by the impact of the execution or announcement of the Agreement and the consummation of the transactions contemplated hereby on relationships with customers or employees (including the loss of personnel subsequent to the date of this Agreement); except, with respect to subclauses (A), (B), (C) or (D), to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii)&#160;the ability of such party to timely <a name="iIN97"><!--Anchor--></a>consummate the transactions contemplated hereby. As used in this Agreement, &#8220;<u>Pandemic</u>&#8221; means any </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-7<br></div></div></div>
<!--End Page 231-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 232-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg14"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">outbreaks, epidemics or pandemics relating to SARS-CoV-2 or Covid-19, or any variants, evolutions or mutations thereof, or any other viruses (including influenza), and the governmental and other responses <a name="iIN98"><!--Anchor--></a>thereto; &#8220;<u>Pandemic Measures</u>&#8221; means any quarantine, &#8220;shelter in place,&#8221; &#8220;stay at home,&#8221; workforce reduction, social distancing, shutdown, closure, sequester or other laws, directives, policies, guidelines or recommendations promulgated by any Governmental Entity, including the Centers for Disease Control and Prevention and the World Health Organization, in each case, in connection with or in response to the <a name="iIN136"><!--Anchor--></a>Pandemic; and the word &#8220;Subsidiary&#8221; when used with respect to any person, means any corporation, partnership, limited liability company, bank or other organization, whether incorporated or unincorporated, or person of which (i)&#160;such first person directly or indirectly owns or controls at least a majority of the securities or other interests having by their terms ordinary voting power to elect a majority of the board of directors or others performing similar functions or (ii)&#160;such first person is or directly or indirectly has the power to appoint a general partner, manager or managing member or others performing similar functions. <a name="iIN24"><!--Anchor--></a>True and complete copies of the Articles of Incorporation of Company, as amended (the &#8220;<u>Company </u><u>Articles</u><a name="iIN27"><!--Anchor--></a>&#8221;), and the Bylaws of Company (the &#8220;<u>Company Bylaws</u>&#8221;), as in effect as of the date of this Agreement, have previously been made available by Company to Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;"><a name="iIN48"><!--Anchor--></a>(b)&#8195;Each Subsidiary of Company (a &#8220;<u>Company Subsidiary</u>&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;is duly licensed or qualified to do business and, where such concept is recognized under applicable law, in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified or in good standing would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Company and (iii)&#160;has all requisite corporate power and authority to own or lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Company to pay dividends or distributions except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of Company that is an insured depository institution are <a name="iIN60"><!--Anchor--></a>insured by the Federal Deposit Insurance Corporation (the &#8220;<u>FDIC</u>&#8221;) through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or, to the Company's knowledge, threatened. Section 3.1(b) of the Company Disclosure Schedule sets forth a true and complete list of all Subsidiaries of Company as of the date hereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS32"><!--Anchor--></a>3.2&#8195;<u>Capitalization</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;The authorized capital stock of Company consists of 9,000,000 shares of Company Common Stock, $1.00 par value, of which, 8,000,000 are voting shares of Company Common Stock and 1,000,000 are non-voting shares of Company Common Stock, and 1,000,000 shares of preferred stock, $100.00 par value. As of the date of this Agreement, there are (i) 2,248,549 shares of Company Common Stock issued and outstanding, which number includes 2,226,809 voting shares of Company Common Stock (including 66,508 shares of Company Common Stock granted in respect of outstanding Company Restricted Stock Awards that are unvested and remain subject to forfeiture) and 21,740 non-voting shares of Company Common Stock, (ii)&#160;no shares of Company Common Stock held in treasury, (iii) 179,001 shares of Company Common Stock reserved for issuance upon the exercise of outstanding Company Stock Options, (iv)&#160;no shares of Company Preferred Stock outstanding and (v)&#160;no other shares of capital stock or other voting securities of Company issued, reserved for issuance or outstanding. All of the issued and outstanding shares of Company Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which shareholders of Company may vote. No Company Benefit Plan that is intended to be qualified under Section 401(a) of the Code owns or holds Company Common Stock. There are no trust preferred or subordinated debt securities of Company that are issued or outstanding, and the Company has no subordinated indebtedness outstanding. Other than Company Stock Options, Company Restricted Stock Awards and the Non-Voting Common Stock, in each case, issued prior to the date of this Agreement, as of the date of this Agreement (i)&#160;there are no outstanding subscriptions, options, warrants, puts, calls, rights, exchangeable or convertible securities or other commitments or agreements obligating Company to issue, transfer, sell, purchase, redeem or otherwise acquire, any such securities and (ii)&#160;there are no contingent </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-8<br></div></div></div>
<!--End Page 232-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 233-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg15"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">value rights, &#8220;phantom&#8221; stock or similar securities or rights that are derivative of, or provide economic benefits based, directly or indirectly, on the value of or price of, Company Common Stock or other equity interests of the Company. There are no voting trusts, shareholder agreements, proxies or other agreements in effect with respect to the voting or transfer of the Company Common Stock or other equity interests of Company, other than the Voting Agreements. All grants of Company Equity Awards were validly issued and properly approved by the Board of Directors of the Company (or a committee thereof) in accordance with the applicable Company Stock Plan and applicable law, in each case in all material respects. All Company Stock Options have been granted having a per share exercise price at least equal to the fair market value of the underlying Company Common Stock on the date such Company Stock Option was granted, and have not otherwise been modified within the meaning of Section 409A of the Code and associated Treasury Regulations issued thereunder. Section 3.2(a) of the Company Disclosure Schedule sets forth a true, correct and complete list of all Company Equity Awards outstanding as of the date hereof specifying, on a holder-by-holder basis, (A) the name of each holder, (B) the number of shares subject to each such Company Equity Award, (C) the grant date of each such Company Equity Award, (D) the Company Stock Plan under which such Company Equity Award was granted, (E) the exercise price for each such Company Equity Award that is a Company Stock Option, and (F) the expiration date for each such Company Equity Award that is a Company Stock Option. Other than the Company Equity Awards, no equity-based awards (including any cash awards where the amount of payment is determined in whole or in part based on the price of any capital stock of Company or any of its Subsidiaries) are outstanding.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as set forth on Section 3.2(b) of the Company Disclosure Schedule, Company owns, directly or indirectly, all of the issued and outstanding shares of capital stock or other equity ownership interests of each of the Company Subsidiaries, free and clear of any liens, pledges, charges, encumbrances <a name="iIN77"><!--Anchor--></a>and security interests whatsoever (&#8220;<u>Liens</u>&#8221;), and all of such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to bank Subsidiaries, as provided under 12 U.S.C. &#167;55 or any comparable provision of applicable state law) and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Company Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS33"><!--Anchor--></a>3.3&#8195;<u>Authority; No Violation</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Company has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder and other actions described below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved by the Board of Directors of Company. The Board of Directors of Company has determined that the Merger, on the terms and conditions set forth in this Agreement, is in the best interests of Company and its shareholders and has directed that this Agreement and the transactions contemplated hereby be submitted to Company's shareholders for approval at a meeting of such shareholders and has adopted a resolution to the foregoing effect. Except for the approval of this Agreement by (i)&#160;the affirmative vote of the holders of a majority of the outstanding shares of Voting Common Stock of Company that are entitled to vote and (ii)&#160;the affirmative vote of the holders of a majority of the outstanding shares of Non-Voting Common Stock of Company that are entitled to vote, each voting as separate voting groups (the <a name="iIN127"><!--Anchor--></a>&#8220;<u>Requisite Company Vote</u>&#8221;), no other corporate proceedings on the part of Company are necessary to approve this Agreement or to consummate the transactions contemplated hereby, except, with respect to the Bank Merger, approval of the Bank Merger Agreement by Company as sole shareholder of Company Bank, to the extent the Bank Merger occurs under Section 1.12 hereof. This Agreement has been duly and validly executed and delivered by Company and (assuming due authorization, execution and delivery by Purchaser) constitutes a valid and binding obligation of Company, enforceable against Company in accordance with its terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization or similar laws affecting the rights of creditors generally and the availability of equitable <a name="iIN53"><!--Anchor--></a>remedies (the &#8220;<u>Enforceability Exceptions</u>&#8221;)).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Neither the execution and delivery of this Agreement by Company nor the consummation by Company of the transactions contemplated hereby, including the Bank Merger, nor compliance by Company </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-9<br></div></div></div>
<!--End Page 233-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 234-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg16"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">with any of the terms or provisions hereof, will (i)&#160;violate any provision of the Company Articles or the Company Bylaws or (ii)&#160;assuming that the consents, approvals and filings referred to in Section 3.4 and Section 4.4 are duly obtained, (x)&#160;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Company or any of its Subsidiaries or any of their respective properties or assets or (y)&#160;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Company or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Company or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clause (y) above) for (A) such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company and (B) acceleration of certain benefits under Company Benefit Plans at the Effective Time, as contemplated under Section 6.6(g).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS34"><!--Anchor--></a>3.4&#8195;<u>Consents and Approvals</u>. Except for (i)&#160;the filing of applications, filings and notices, as applicable, <a name="iIN95"><!--Anchor--></a>with the marketplace for trading over-the-counter securities operated by OTC Markets Group Inc. (the &#8220;<u>OTC </u><u>Markets</u>&#8221;) and with the Financial Industry Regulatory Authority, Inc., (ii)&#160;the filing of applications, filings, waiver requests and notices, as applicable, with the Board of Governors of the Federal Reserve System (the <a name="iIN61"><!--Anchor--></a>&#8220;<u>Federal Reserve Board</u><a name="iIN90"><!--Anchor--></a>&#8221;) under the BHC Act and the North Carolina Commissioner of Banks (the &#8220;<u>NCCOB</u>&#8221;) and approval of such applications, filings and notices or issuance of such waivers, (iii)&#160;the filing of applications, filings and notices, as applicable, with the FDIC, the West Virginia Division of Financial Institutions (the <a name="iIN151"><!--Anchor--></a>&#8220;<u>WVDFI</u><a name="iIN67"><!--Anchor--></a>&#8221;) and the Illinois Department of Financial and Professional Regulation (the &#8220;<u>IDFPR</u>&#8221;) in connection with the Bank Merger, including under the Bank Merger Act, and approval of such applications, filings and notices, (iv)&#160;the filing of any required applications, filings or notices with any state banking authorities listed on Section 3.4 of the Company Disclosure Schedule or Section 4.4 of the Purchaser Disclosure Schedule and approval of such applications, filings and notices, (v)&#160;the preparation and delivery of a joint proxy statement in definitive form relating to the meeting of the Company's shareholders and the Purchaser's shareholders to be held in connection with this Agreement and the transactions contemplated hereby (including any amendments or <a name="iIN103"><!--Anchor--></a>supplements thereto, the &#8220;<u>Proxy Statement</u>&#8221;), and of the registration statement on Form S-4 in which the Proxy Statement will be included as a prospectus, to be filed with the Securities and Exchange Commission (the <a name="iIN132"><!--Anchor--></a>&#8220;<u>SEC</u><a name="iIN130"><!--Anchor--></a>&#8221;) by Purchaser in connection with the transactions contemplated by this Agreement (the &#8220;<u>S-4</u>&#8221;) and declaration of effectiveness of the S-4, (vi)&#160;the filing of the articles of merger with the North Carolina SOS pursuant to the NCBCA and the articles of merger with the West Virginia SOS pursuant to the WVBCA and the filing of the Bank Merger Certificates, and (vii)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Purchaser Common Stock pursuant to this Agreement and the approval of the listing of such Purchaser Common Stock on NASDAQ, no consents or approvals of or filings or registrations with any court, administrative agency or commission or other governmental authority or instrumentality or SRO (each a <a name="iIN65"><!--Anchor--></a>&#8220;<u>Governmental Entity</u>&#8221;) are necessary in connection with (A) the execution and delivery by Company of this Agreement or (B) the consummation by Company of the Merger and the other transactions contemplated hereby (including the Bank Merger, to the extent it is consummated). As of the date hereof, Company is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger and Bank Merger on a timely basis.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS35"><!--Anchor--></a>3.5&#8195;<u>Reports</u>. Company and each of its Subsidiaries have timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were required to file since January&#160;1, 2019 with any Regulatory Agencies, including, without limitation, any report, registration or statement required to be filed pursuant to the laws, rules or regulations of the United States, any state, any <a name="iIN43"><!--Anchor--></a>foreign entity, or any Regulatory Agency (collectively, the &#8220;<u>Company Reports</u>&#8221;), and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company. Except as set forth on Section 3.5 of the Company Disclosure Schedule and for normal examinations conducted by a Regulatory Agency in the ordinary course of business of Company and its Subsidiaries, (i)&#160;no Regulatory Agency has initiated or has pending any proceeding </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-10<br></div></div></div>
<!--End Page 234-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 235-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg17"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">or, to the knowledge of Company, investigation into the business or operations of Company or any of its Subsidiaries since January&#160;1, 2019, (ii)&#160;there is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Company or any of its Subsidiaries and (iii)&#160;there have been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Company or any of its Subsidiaries since January&#160;1, 2019, in each case, which would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company. No Company Report, as of the date thereof (and, in the case of proxy statements, on the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information included in any Company Report as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates, all Company Reports complied in all material respects with the published rules and regulations of the applicable <a name="iIN125"><!--Anchor--></a>Regulatory Agency with which they were filed. For purposes of this Agreement, &#8220;<u>Regulatory Agencies</u>&#8221; means (i)&#160;any state regulatory authority, (ii)&#160;the OTC Markets, in the case of Company, or the SEC, in the case of Purchaser, (iii)&#160;the Federal Reserve Board, (iv)&#160;the FDIC, (v)&#160;the NCCOB, IDFPR, WVDFI and the West Virginia Board of Banking and Financial Institutions, (vi)&#160;any foreign regulatory authority and (vii)&#160;any <a name="iIN134"><!--Anchor--></a>self-regulatory organization (an &#8220;<u>SRO</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS36"><!--Anchor--></a>3.6&#8195;<u>Financial Statements</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;The financial statements of Company and its Subsidiaries included (or incorporated by reference) in the Company Reports (including the related notes, where applicable) (i)&#160;have been prepared from, and are in accordance with, the books and records of Company and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders' equity and consolidated financial position of Company and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)&#160;complied, as of their respective dates of filing with the applicable Regulatory Agency, in all material respects with applicable accounting requirements and with the published rules and regulations of such Regulatory Agency with respect thereto, and (iv)&#160;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of Company and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. Elliott Davis, PLLC has not resigned (or informed Company that it intends to resign) or been dismissed as independent public accountants of Company as a result of or in connection with any disagreements with Company on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company, neither Company nor any of its Subsidiaries has any liability of any nature whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against on the consolidated balance sheet of Company for the fiscal quarter ended June&#160;30, 2022 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since June&#160;30, 2022, or in connection with this Agreement and the transactions contemplated hereby.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;The records, systems, controls, data and information of Company and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Company or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have a Material Adverse Effect on Company. Company and its Subsidiaries have devised and maintain a system of internal accounting controls sufficient to comply with all legal and accounting requirements applicable to the Company and its Subsidiaries and to provide reasonable assurances regarding the reliability of financial reporting and the preparation of financial statements in accordance with GAAP. Company has disclosed based on its most recent evaluations, to its outside auditors and the audit committee of the board of directors of Company (i)&#160;all significant deficiencies and material weaknesses in the design or operation of </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-11<br></div></div></div>
<!--End Page 235-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 236-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg18"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">internal control over financial reporting which are reasonably likely to adversely affect Company's ability to record, process, summarize and report financial data and (ii)&#160;any fraud, whether or not material, that involves management or other employees who have a significant role in Company's internal control over financial reporting. Company has made available to Purchaser a summary of any such disclosure made by management to the auditor and/or audit committee of Company or any Subsidiary.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Since January&#160;1, 2019, (i)&#160;neither Company nor any of its Subsidiaries, nor, to the knowledge of Company, any director, officer, auditor, accountant or representative of Company or any of its Subsidiaries, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Company or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that Company or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&#160;no attorney representing Company or any of its Subsidiaries, whether or not employed by Company or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Company or any of its officers, directors, employees or agents to the Board of Directors of Company or any committee thereof or to the knowledge of Company, to any director or officer of Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS37"><!--Anchor--></a>3.7&#8195;<u>Broker's Fees</u>. With the exception of the engagement of Raymond James &amp; Associates, Inc. <a name="iIN124"><!--Anchor--></a>(&#8220;<u>Raymond James</u>&#8221;), neither Company nor any Company Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker's fees, commissions or finder's fees in connection with the Merger or related transactions contemplated by this Agreement. Company has disclosed to Purchaser as of the date hereof the aggregate fees provided for in connection with the engagement by Company of Raymond James, related to the Merger and the other transactions contemplated hereunder.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS38"><!--Anchor--></a>3.8&#8195;<u>Absence of Certain Changes or Events</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Since December&#160;31, 2021, no event or events have occurred that have had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as set forth on Section 3.8 of the Company Disclosure Schedule, and in connection with matters related to this Agreement, since December&#160;31, 2021, Company and its Subsidiaries have carried on their respective businesses in all material respects in the ordinary course of business consistent with past practice.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS39"><!--Anchor--></a>3.9&#8195;<u>Legal Proceedings</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except as (i)&#160;set forth on Section 3.9 of the Company Disclosure Schedule or (ii)&#160;would not reasonably be expected to result in a Material Adverse Effect on Company, neither Company nor any of its Subsidiaries is a party to any, and there are no pending or, to Company's knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations of any nature against Company or any of its Subsidiaries or any of their current or former directors or executive officers or challenging the validity or propriety of the transactions contemplated by this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;There is no injunction, order, judgment, decree, or regulatory restriction imposed upon Company, any of its Subsidiaries or the assets of Company or any of its Subsidiaries (or that, upon consummation of the Merger, would apply to the Surviving Corporation or any of its affiliates), that would reasonably be expected to be material to Company and its Subsidiaries, taken as a whole.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS310"><!--Anchor--></a>3.10&#8195;<u>Taxes and Tax Returns</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Each of Company and its Subsidiaries has filed (including all applicable extensions) all material Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in all material respects. Neither Company nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material Tax Return (other than extensions to file Tax Returns obtained in the ordinary course of business). All material Taxes of Company and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully paid. Each of </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-12<br></div></div></div>
<!--End Page 236-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 237-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg19"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Company and its Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party and has complied with all information reporting regimes relating to Taxes in all material respects. Neither Company nor any of its Subsidiaries has granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. Except as set forth on Section&#160;3.10(a) of the Company Disclosure Schedule, the federal income Tax Returns of Company and its Subsidiaries for all years to and including 2020 (i)&#160;have been examined by the Internal Revenue Service <a name="iIN75"><!--Anchor--></a>(the &#8220;<u>IRS</u>&#8221;) or (ii)&#160;are Tax Returns with respect to which the applicable period for assessment by the IRS under applicable law, after giving effect to extensions or waivers, has expired. Except for matters that have been resolved or settled with the applicable Tax authority, (i)&#160;neither Company nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and (ii)&#160;there are no threatened-in-writing or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Company and its Subsidiaries or the assets of Company and its Subsidiaries. There are no Liens for material Taxes (except Taxes not yet due and payable) on any of the assets of the Company or any of its Subsidiaries. Company has made available to Purchaser true and complete copies of any private letter ruling requests, closing agreements or gain recognition agreements with respect to Taxes requested or executed in the last six (6) years. Neither Company nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement, other than (i)&#160;such an agreement or arrangement exclusively between or among Company and its Subsidiaries, and (ii)&#160;any credit or other commercial agreements the primary purpose of which does not relate to Taxes. Neither Company nor any of its Subsidiaries (i)&#160;has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was Company) or (ii)&#160;has any liability for the Taxes of any person (other than Company or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign Tax law), as a transferee or successor, by contract or otherwise. Neither Company nor any of its Subsidiaries has been, within the past two (2) years or otherwise as part of a &#8220;plan (or series of related transactions)&#8221; within the meaning of Section 355(e) of the Code of which the Merger is also a part, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; (within the meaning of Section&#160;355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section 355 of the Code. Neither Company nor any of its Subsidiaries has participated in or has been a material advisor with respect to a &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations Section 1.6011-4(b)(1). At no time during the past five (5) years has Company been a United States &#8220;real property holding corporation&#8221; within the meaning of Section 897(c)(2) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;"><a name="iIN139"><!--Anchor--></a>(b)&#8195;As used in this Agreement, the term &#8220;<u>Tax</u><a name="iIN141"><!--Anchor--></a>&#8221; or &#8220;<u>Taxes</u>&#8221; means any or all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property, capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges, levies or like assessments in the nature of a tax imposed, in each case, by a Governmental Entity, together with all penalties and additions to tax and interest thereon.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;"><a name="iIN140"><!--Anchor--></a>(c)&#8195;As used in this Agreement, the term &#8220;<u>Tax Return</u>&#8221; means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS311"><!--Anchor--></a>3.11&#8195;<u>Employee Benefits; Employees</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Section 3.11(a) of the Company Disclosure Schedule lists all material Company Benefit Plans. For <a name="iIN26"><!--Anchor--></a>purposes of this Agreement, &#8220;<u>Company Benefit Plans</u>&#8221; means all employee benefit plans (as defined in <a name="iIN55"><!--Anchor--></a>Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (&#8220;<u>ERISA</u>&#8221;)), whether or not subject to ERISA, and all Code Section 125, Code Section 501(c)(9), bonus, stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or life insurance, pension, supplemental retirement, or other benefit plans, programs or arrangements, and all retention, employment, termination, severance plans, programs or arrangements or other contracts or agreements to or with respect to which Company or any Company Subsidiary or any trade or business of Company or any of its Subsidiaries, whether or not incorporated, all of which together with Company would be deemed a &#8220;single <a name="iIN32"><!--Anchor--></a>employer&#8221; within the meaning of Section 4001 of ERISA (a &#8220;<u>Company ERISA Affiliate</u>&#8221;), is a party or has </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-13<br></div></div></div>
<!--End Page 237-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 238-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg20"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">or is reasonably expected to have any current or future obligation, respectively, or that are maintained, contributed to or sponsored by Company or any of its Subsidiaries or any Company ERISA Affiliate for the benefit of any current or former employee, officer, director or independent contractor of Company or any of its Subsidiaries or any Company ERISA Affiliate, or under which the Company or any of its Subsidiaries is reasonably expected to have any material liability, contingent or otherwise.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Company has heretofore made available to Purchaser true and complete copies of each of the material Company Benefit Plans and certain related documents to the extent applicable, or if such Company Benefit Plan is unwritten, a written summary of the material terms of such Company Benefit Plan, including, but not limited to, (i)&#160;the current summary plan descriptions, all executed amendments, and all summaries of material modifications or material supplements to any Company Benefit Plan, (ii)&#160;the annual report (Form 5500), if any, filed with the IRS for the last three (3) plan years, (iii)&#160;the most recently received IRS determination letter, if any, relating to a Company Benefit Plan that is a Company Qualified Plan, (iv)&#160;the most recently prepared actuarial report for each Company Benefit Plan (if applicable) for each of the last three (3) years, (v)&#160;copies of all IRS Forms 1094-C and 1095-C (including verifications of filings from the IRS) for all years for which such filings were required, (vi)&#160;the current ERISA fidelity bond, (vii)&#160;the current trust agreements, insurance policies and administrative services agreements relating to each Company Benefit Plan, (viii)&#160;nondiscrimination testing for the last three (3) plan years, and (ix)&#160;all material, correspondence to or from any Governmental Entity received in the last three (3) years with respect to such Company Benefit Plan.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;Each Company Benefit Plan has been established, operated and administered in all material respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Company and each of its Subsidiaries and each Company ERISA Affiliate has complied with, and is currently in compliance with, with Code Section 4980B, the Patient Protection and Affordable Care Act, including the Health Care and Education Reconciliation Act of 2010, as amended and including the <a name="iIN102"><!--Anchor--></a>guidance issued thereunder (the &#8220;<u>PPACA</u>&#8220;); and the Company and its Subsidiaries have not incurred (whether or not assessed, and including on account of a Company ERISA Affiliate), and do not reasonably expect to incur or be subject to, any Taxes or other penalties under PPACA (including with respect to the reporting requirements under Sections 6055 and 6056 of the Code, as applicable) or under Sections 4980B, 4980D or 4980H of the Code. Except as set forth on Section 3.11(c) of the Company Disclosure Schedule, within the past three (3) years, neither Company nor any of its Subsidiaries has taken any corrective action or made a filing under any voluntary correction program of the IRS, Department of Labor or any other Governmental Entity with respect to any Company Benefit Plan, and to the knowledge of Company, neither Company nor any of its Subsidiaries is aware of any Company Benefit Plan defect that would qualify for correction under any such program.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Section 3.11(d) of the Company Disclosure Schedule identifies each Company Benefit Plan that is <a name="iIN40"><!--Anchor--></a>intended to be qualified under Section 401(a) of the Code (the &#8220;<u>Company Qualified Plans</u>&#8221;). The IRS has issued a favorable determination, advisory or opinion letter with respect to each Company Qualified Plan and the related trust, which letter has not been revoked (nor, to the knowledge of Company, has revocation been threatened), and, to the knowledge of Company, there are no existing circumstances and no events have occurred that could adversely affect the qualified status of any Company Qualified Plan or the related trust or increase the costs relating thereto. No Company Qualified Plan owns Company Common Stock. The Windsor Advantage 401(k) Plan, a Company Qualified Plan that is identified on Section 3.11(d) of the <a name="iIN23"><!--Anchor--></a>Company Disclosure Schedule, is referred to herein as the &#8220;<u>Company 401(k) Plan</u>&#8221;. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;Each Company Benefit Plan that is a &#8220;nonqualified deferred compensation plan&#8221; (as defined in Section 409A(d)(1) of the Code) and any award thereunder, in each case that is subject to Section 409A of the Code, is in documentary and operational compliance with Section 409A of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;None of the Company and its Subsidiaries has any current or contingent liability or obligation (including on account of any ERISA Affiliate) in respect of a single employer &#8220;pension plan&#8221; (as defined in Section 3(2) of ERISA) which is subject to Sections 412 or 430 of the Code or Section 302 or Title IV of ERISA; and neither the Company nor its Subsidiaries is subject to any Company Benefit Plan-related lien under ERISA or the Code.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-14<br></div></div></div>
<!--End Page 238-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 239-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg21"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;Except as set forth in Section 3.11(g) of the Company Disclosure Schedule, none of Company and its Subsidiaries nor any Company ERISA Affiliate has, at any time during the last six (6) years, contributed to or been obligated to contribute to any plan that is a &#8220;multiemployer plan&#8221; within the meaning of <a name="iIN86"><!--Anchor--></a>Section&#160;4001(a)(3) of ERISA (a &#8220;<u>Multiemployer Plan</u>&#8221;) or a plan that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of <a name="iIN87"><!--Anchor--></a>ERISA or to which Code Section 413(c) applies (a &#8220;<u>Multiple Employer Plan</u>&#8221;), and none of Company and its Subsidiaries nor any Company ERISA Affiliate has incurred any liability to a Multiemployer Plan or Multiple Employer Plan as a result of a complete or partial withdrawal (as those terms are defined in Part I of Subtitle E of Title IV of ERISA) from a Multiemployer Plan or Multiple Employer Plan. None of the Company and its Subsidiaries have any current or, to the knowledge of Company, contingent liability with respect to a &#8220;multiple employer welfare arrangement&#8221; as defined in Section 3(40) of ERISA.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(h)&#8195;Except as set forth in Section 3.11(h) of the Company Disclosure Schedule, neither Company nor any of its Subsidiaries sponsors, has sponsored or has any obligation with respect to any employee benefit plan that provides for any post-employment or post-retirement health or medical or life insurance benefits for retired, former or current employees or beneficiaries or dependents thereof, except as required by Section 4980B of the Code. No trust funding any Company Benefit Plan is intended to meet the requirements of Section 501(c)(9) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(i)&#8195;All contributions required to be made to any Company Benefit Plan by applicable law or by any plan document or other contractual undertaking, and all premiums due or payable with respect to insurance policies funding any Company Benefit Plan, for any period through the date hereof, have been timely made or paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and records of Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(j)&#8195;There are no pending or, to the knowledge of Company, threatened claims (other than routine claims for benefits in the ordinary course), lawsuits or arbitrations that have been asserted or instituted, and, to Company's knowledge, no set of circumstances exists that may reasonably be expected to give rise to a claim or lawsuit, against the Company Benefit Plans, any fiduciaries thereof with respect to the discharge of their fiduciary duties to the Company Benefit Plans, or the assets of any of the trusts under any of the Company Benefit Plans that could reasonably be expected to result in any material liability of Company or any of its Subsidiaries to the PBGC, the IRS, the Department of Labor, any Multiemployer Plan, a Multiple Employer Plan, any participant in a Company Benefit Plan, or any other party. There are no administrative investigations, audits or other administrative proceedings by the Department of Labor, the PBGC, the IRS or other governmental agencies pertaining to the Company pending or in progress, nor, to Company's knowledge, are any such investigations, audits or proceedings threatened (including, without limitation, any routine requests for information from the PBGC) against Company and its Subsidiaries. No written or oral communication has been received from the PBGC in respect of any Company Benefit Plan subject to Title&#160;IV of ERISA concerning the funded status of any such plan or any transfer of assets and liabilities from any such plan in connection with the transactions contemplated herein.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(k)&#8195;None of Company and its Subsidiaries nor, to the knowledge of Company, any Company ERISA Affiliate or fiduciary of a Company Benefit Plan, has engaged in any non-exempt &#8220;prohibited transaction&#8221; (as defined in Section 4975 of the Code or Section 406 of ERISA), which could subject any of the Company Benefit Plans or their related trusts, Company (whether directly or through an indemnification obligation), any of its Subsidiaries, or any Company ERISA Affiliate to any material tax or penalty imposed under Section 4975 of the Code or Section 502 of ERISA.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(l)&#8195;Except as set forth on Section 3.11(I) of the Company Disclosure Schedule and the acceleration of vesting of Company Restricted Stock Awards under Section 1.8(b) of this Agreement, neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (either alone or in conjunction with any other event) (i)&#160;entitle any employee, director or independent contractor to any payment or benefit, including any bonus, retention, severance, retirement or job security payment or benefit, (ii)&#160;result in or cause the vesting, exercisability or delivery of, or increase the amount or value of, or accelerate the time of payment or vesting of, or trigger any payment or funding (through a grantor trust or otherwise) of, compensation or benefits under, or trigger any other material obligation under, any Company Benefit Plan, or (iii)&#160;result in any limitation on the right of Company or any of its Subsidiaries to amend, merge, terminate or receive a reversion of assets from any Company Benefit Plan or related trust. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-15<br></div></div></div>
<!--End Page 239-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 240-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg22"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Except as set forth on Section 3.11(l) of the Company Disclosure Schedule, no amount paid or payable (whether in cash, in property, or in the form of benefits) by Company or any of its Subsidiaries in connection with the transactions contemplated hereby (either solely as a result thereof or as a result of such transactions in conjunction with any other event) will be an &#8220;excess parachute payment&#8221; within the meaning of Section 280G of the Code. Neither Company nor any of its Subsidiaries maintains or contributes to a rabbi trust or similar funding vehicle, and the transactions contemplated by this Agreement will not cause or require Company or any of its affiliates to establish or make any contribution to a rabbi trust or similar funding vehicle.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(m)&#8195;No Company Benefit Plan provides for the payment, gross-up or reimbursement of any Taxes imposed by application of Sections 409A or 4999 of the Code. Company has made available to Purchaser true, correct and complete copies of Code Section 280G calculations (whether or not final) with respect to any disqualified individual in connection with the transactions contemplated hereby.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(n)&#8195;There are no pending or, to Company's knowledge, threatened material labor grievances or material unfair labor practice claims or charges against Company or any of its Subsidiaries, or any strikes, work stoppages, lockouts, slowdowns or other material labor disputes against Company or any of its Subsidiaries. Neither Company nor any of its Subsidiaries are party to or bound by any collective bargaining or similar agreement with any labor organization, or work rules or practices agreed to with any labor organization or employee association applicable to employees of Company or any of its Subsidiaries and, to the knowledge of Company, there are no organizing efforts by any union or other group seeking to represent any employees of Company or any of its Subsidiaries. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(o)&#8195;Company and its Subsidiaries are in compliance in all material respects with, and since December&#160;31, 2018 have complied in all material respects with, all laws regarding employment and employment practices, terms and conditions of employment, wages and hours, paid sick leave, classification of employees and independent contractors, equitable pay practices, labor relations, equal employment opportunity, sexual or racial harassment or discrimination, workers' compensation, retaliation, immigration, family and medical leave, occupational safety and health and layoffs. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(p)&#8195;(i)&#160;Each individual that renders services to Company or any of its Subsidiaries who is classified as (A)&#160;an independent contractor or other non-employee status or (B) an exempt or non-exempt employee, is properly so classified for all purposes, and (ii)&#160;Company and each of its Subsidiaries have paid or properly accrued in the ordinary course of business all wages and compensation due to employees of Company and its Subsidiaries, including all overtime pay, vacations or vacation pay, holidays or holiday pay, sick days or sick pay, and bonuses. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(q)&#8195;No executive officer of Company or any of its Subsidiaries is, or is now expected to be, in violation of any material term of any employment contract, confidentiality, disclosure or proprietary information agreement, non-competition agreement or any other agreement or any restrictive covenant, and the continued employment of each such executive officer does not subject Company or any of its Subsidiaries to any liability with respect to any of the foregoing matters.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(r)&#8195;(i)&#160;No written allegations of sexual or racial harassment or sexual or race-based misconduct have been made to the Company since December&#160;31, 2018 against any Company Insiders, (ii)&#160;since December&#160;31, 2018, neither Company nor any of its Subsidiaries has entered into any settlement agreement related to allegations of sexual or racial harassment or sexual or race-based misconduct by any Company Insiders, and (iii)&#160;there are no proceedings currently pending or, to the knowledge of Company, threatened related to any allegations of sexual or racial harassment or sexual or race-based misconduct by any Company Insiders. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS312"><!--Anchor--></a>3.12&#8195;<u>Compliance with Applicable Law</u>. Company and each of its Subsidiaries hold, and have at all times since January&#160;1, 2019, held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Company, and to the knowledge of Company no suspension or cancellation of any such necessary license, franchise, permit or authorization is threatened. Since January&#160;1, </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-16<br></div></div></div>
<!--End Page 240-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 241-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg23"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">2019, Company and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Company or any of its Subsidiaries, including all laws relating to the privacy and security of data or information in the custody or control of Company that constitutes personal data or <a name="iIN38"><!--Anchor--></a>personal information under applicable law (&#8220;<u>Company Personal Data</u>&#8221;), the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Company Bank has a Community Reinvestment Act rating of &#8220;satisfactory&#8221; or better. Without limitation, none of Company, or its Subsidiaries, or to the knowledge of Company, any director, officer, employee, agent or other person acting on behalf of Company or any of its Subsidiaries has, directly or indirectly, (i)&#160;used any funds of Company or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (ii)&#160;made any unlawful payment to foreign or domestic governmental officials or employees or to foreign or domestic political parties or campaigns from funds of Company or any of its Subsidiaries, (iii)&#160;violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (iv)&#160;established or maintained any unlawful fund of monies or other assets of Company or any of its Subsidiaries, (v)&#160;made any fraudulent entry on the books or records of Company or any of its Subsidiaries, or (vi)&#160;made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing business to obtain special concessions for Company or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Company or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department. Company maintains a written information privacy and security program that includes reasonable measures to protect the privacy, confidentiality and security of all Company Personal Data against any (i)&#160;loss or misuse of Company Personal Data, (ii)&#160;unauthorized or unlawful operations performed upon Company Personal Data or (iii)&#160;other act or omission that compromises the security or confidentiality of Company Personal Data <a name="iIN45"><!--Anchor--></a>(clauses (i)&#160;through (iii), a &#8220;<u>Company Security Breach</u>&#8221;). To the knowledge of Company, Company has not experienced any Company Security Breach that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Company. To the knowledge of Company, there are no data security or other technological vulnerabilities with respect to Company's information technology systems or networks that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Company. The Company and its Subsidiaries are, and since January&#160;1, 2019 have been, conducting operations at all times in compliance in all material respects with applicable financial recordkeeping and reporting requirements of all money laundering laws administered or enforced by any Governmental Entity in jurisdictions where the Company and its Subsidiaries conduct business. The Company and its Subsidiaries have established and maintain a system of internal controls designed to ensure compliance by the Company and its Subsidiaries in all material respects with applicable financial recordkeeping and reporting requirements of the money laundering laws. Except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Company: (i)&#160;Company Bank has complied in all material respects with all requirements of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and the Paycheck Protection Program, including applicable guidance, in connection with its participation in the Paycheck Protection Program; (ii)&#160;Company and each of its Subsidiaries have properly administered all accounts for which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign law; and (iii)&#160;none of Company, any of its Subsidiaries, or any of its or its Subsidiaries' directors, officers or employees, has committed any breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately reflect the assets and results of such fiduciary account.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-17<br></div></div></div>
<!--End Page 241-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 242-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg24"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS313"><!--Anchor--></a>3.13&#8195;<u>Certain Contracts</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except as set forth in Section 3.13(a) of the Company Disclosure Schedule, as of the date hereof, neither Company nor any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral) (i)&#160;with respect to the employment of any directors, officers or employees, other than in the ordinary course of business consistent with past practice, (ii)&#160;which, upon the execution or delivery of this Agreement, shareholder approval of this Agreement or the consummation of the transactions contemplated by this Agreement will (either alone or upon the occurrence of any additional acts or events) result in any payment (whether of severance pay or otherwise) becoming due from Purchaser, Company, the Surviving Corporation, or any of their respective Subsidiaries to any officer or employee thereof, (iii)&#160;which is a &#8220;material contract&#8221; (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC), (iv)&#160;which restricts Company's ability to compete or contains a client or customer non-solicit requirement or any other provision, in each case, that materially restricts the conduct of any line of business by Company or any of its affiliates or upon consummation of the Merger will materially restrict the ability of the Surviving Corporation or any of its affiliates to engage in any line of business, (v)&#160;with or to a labor union or guild (including any collective bargaining agreement), (vi)&#160;any of the benefits of which contract, arrangement, commitment or understanding (not including any stock option plan, stock appreciation rights plan, restricted stock plan, performance share unit plan, stock purchase plan, and related agreements, all of which are listed on Section&#160;3.2(a) of the Company Disclosure Schedule) will be increased, or the vesting of the benefits of which will be accelerated, by the occurrence of the execution and delivery of this Agreement, shareholder approval of this Agreement or the consummation of any of the transactions contemplated by this Agreement, or the value of any of the benefits of which will be calculated on the basis of any of the transactions contemplated by this Agreement, (vii)&#160;that relates to the incurrence of indebtedness by Company or any of its Subsidiaries and not loans or leases made by the Company or its Subsidiaries as a lender (other than deposit liabilities, trade payables, federal funds purchased, advances and loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case incurred in the ordinary course of business consistent with past practice) in the principal amount of $500,000 or more including any sale and leaseback transactions, capitalized leases and other similar financing transactions, (viii)&#160;that grants any right of first refusal, right of first offer or similar right with respect to any material assets, rights or properties of Company or its Subsidiaries or (ix)&#160;that is a consulting agreement or data processing, software programming or licensing contract involving the payment of more than $250,000 per annum (other than any such contracts which are terminable by Company or any of its Subsidiaries on sixty (60) calendar days or less notice without any required payment or other conditions, other than the condition of notice). Each contract, arrangement, commitment or understanding of the type described in this Section 3.13(a), whether or not set forth in the Company Disclosure Schedule, is referred <a name="iIN29"><!--Anchor--></a>to herein as a &#8220;<u>Company Contract</u>,&#8221; and neither Company nor any of its Subsidiaries knows of, or has received notice of, any violation of the above by any of the other parties thereto which would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Each Company Contract is valid and binding on Company or one of its Subsidiaries, as applicable, and in full force and effect, except as, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company. Company and each of its Subsidiaries has performed all obligations required to be performed by it to date under each Company Contract, except where such noncompliance, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company. To Company's knowledge each third-party counterparty to each Company Contract has performed all obligations required to be performed by it to date under such Company Contract, except where such noncompliance, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company, and no event or condition exists which constitutes or, after notice or lapse of time or both, will constitute, a material default on the part of Company or any of its Subsidiaries under any such Company Contract, except where such default, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Company. No third-party counterparty to any Company Contract has exercised or threatened in writing to exercise any force majeure (or similar) provision to excuse non-performance or performance delays in any Company Contract as a result of the Pandemic or the Pandemic Measures.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS314"><!--Anchor--></a>3.14&#8195;<u>Agreements with Regulatory Agencies</u>. Neither Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-18<br></div></div></div>
<!--End Page 242-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 243-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg25"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&#160;1, 2019, a recipient of any supervisory letter from, or since January&#160;1, 2019, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, <a name="iIN42"><!--Anchor--></a>its management or its business (each, whether or not set forth in the Company Disclosure Schedule, a &#8220;<u>Company </u><u>Regulatory Agreement</u>&#8221;), nor has Company or any of its Subsidiaries been advised since January&#160;1, 2019, by any Regulatory Agency or other Governmental Entity of any potential action that could restrict the business of Company or any of its Subsidiaries in any material respect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS315"><!--Anchor--></a>3.15&#8195;<u>Risk Management Instruments</u>. All interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Company, any of its Subsidiaries or for the account of a customer of Company or one of its Subsidiaries, were entered into in the ordinary course of business consistent with past practice and in accordance with prudent business practices and applicable rules, regulations and policies of any Regulatory Agency and with counterparties believed to be financially responsible at the time and are legal, valid and binding obligations of Company or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions), and are in full force and effect. The financial position of the Company and its Subsidiaries on a consolidated basis under any such derivative transaction has been reflected in the books and records of the Company and its Subsidiaries in accordance with GAAP consistently applied. Company and each of its Subsidiaries have duly performed in all material respects all of their material obligations thereunder to the extent that such obligations to perform have accrued, and, to Company's knowledge, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS316"><!--Anchor--></a>3.16&#8195;<u>Environmental Matters</u>. Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Company, Company and its Subsidiaries are in material compliance, and have complied, with any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to: (i)&#160;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural resource damages, (ii)&#160;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance, or (iii)&#160;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous substance <a name="iIN54"><!--Anchor--></a>(collectively, &#8220;<u>Environmental Laws</u>&#8221;). There are no legal, administrative, arbitral or other proceedings, claims or actions, or any private environmental investigations or remediation activities or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on Company or any of its Subsidiaries of any liability or obligation arising under any Environmental Law, pending or, to the Knowledge of Company, threatened against Company, which liability or obligation would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company. To the knowledge of Company, there is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation that would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company. Company is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement by or with any court, governmental authority, regulatory agency or third party imposing any liability or obligation with respect to the foregoing that would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Company. The representations and warranties in this Section 3.16 constitute Company's sole representations and warranties regarding Company's and its Subsidiaries' and the properties' compliance with Environmental Laws, or the existence or absence of any condition violating Environmental Laws. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS317"><!--Anchor--></a>3.17&#8195;<u>Investment Securities and Commodities</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Each of Company and its Subsidiaries has good title to all securities and commodities owned by it (except those sold under repurchase agreements), free and clear of any Lien, except to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of Company or its Subsidiaries. Such securities and commodities are valued on the books of Company in accordance with GAAP consistently applied.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Company and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk management and other policies, practices and procedures that Company believes are </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-19<br></div></div></div>
<!--End Page 243-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 244-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg26"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">prudent and reasonable in the context of such businesses, and the Company and its Subsidiaries have, since January&#160;1, 2019, been in compliance with such policies, practices and procedures in all material respects. Prior to the date of this Agreement, Company has made available to Purchaser the material terms of such policies, practices and procedures.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS318"><!--Anchor--></a>3.18&#8195;<u>Real Property; Leases</u>. Section 3.18 of the Company Disclosure Schedule lists and identifies all real <a name="iIN37"><!--Anchor--></a>property owned by Company or a Company Subsidiary as of the date hereof (the &#8220;<u>Company Owned </u><u>Properties</u>&#8221;), and Company (or the applicable Company Subsidiary) has good, valid and indefeasible title to such Company Owned Properties, free and clear of all material Liens, except statutory Liens securing payments not yet due, Liens for real property Taxes not yet due and payable, easements, rights of way, and other similar encumbrances that do not materially affect the marketability, value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties and such imperfections or irregularities of title or Liens as do not materially affect the marketability, value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such <a name="iIN99"><!--Anchor--></a>properties (collectively, &#8220;<u>Permitted Encumbrances</u>&#8221;). Section&#160;3.18 of the Company Disclosure Schedule lists and identifies all leases under which the Company or a Company Subsidiary holds a leasehold estate as lessee as of <a name="iIN35"><!--Anchor--></a>the date hereof (the &#8220;<u>Company Leased Properties</u>&#8221; and, collectively with the Company Owned Properties, the <a name="iIN41"><!--Anchor--></a>&#8220;<u>Company Real Property</u>&#8221;), and Company or the applicable Company Subsidiary is in possession of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or, to Company's knowledge, the lessor, and such leasehold estate is free and clear of all Liens except for Permitted Encumbrances. There are no pending or, to the knowledge of Company, threatened condemnation proceedings against the Company Real Property. Except as set forth in Section 3.18 of the Company Disclosure Schedule, Company has not entered into any leases as a lessor, nor granted any other party a license, sublease or right of occupancy, with respect to any Company Real Property.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS319"><!--Anchor--></a>3.19&#8195;<u>Intellectual Property</u>. Company and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear of any material Liens), all Intellectual Property necessary for the conduct of its business as currently conducted. Except as would not reasonably be expected to have a Material Adverse Effect on Company: (i) (A) the use of any Intellectual Property by Company and its Subsidiaries does not infringe, misappropriate or otherwise violate the rights of any person and is in accordance with any applicable license pursuant to which Company or any Company Subsidiary acquired the right to use any Intellectual Property, and (B) no person has asserted to Company that Company or any of its Subsidiaries has infringed, misappropriated or otherwise violated the Intellectual Property rights of such person, (ii)&#160;no person is challenging, infringing on or otherwise violating any right of Company or any of its Subsidiaries with respect to any Intellectual Property owned by and/or licensed to Company or its Subsidiaries, and (iii)&#160;neither Company nor any Company Subsidiary has received any notice of any pending claim with respect to any Intellectual Property owned by Company or any Company Subsidiary, and Company and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability of all Intellectual Property owned or licensed, <a name="iIN74"><!--Anchor--></a>respectively, by Company and its Subsidiaries. For purposes of this Agreement, &#8220;<u>Intellectual Property</u>&#8221; means trademarks, service marks, brand names, internet domain names, logos, symbols, certification marks, trade dress and other indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application; inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or reissues thereof, in any jurisdiction; nonpublic information, trade secrets and know-how, including processes, technologies, protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by any person; writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction; and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and any similar intellectual property or proprietary rights.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS320"><!--Anchor--></a>3.20&#8195;<u>Related Party Transactions</u>. Except (a) as set forth in Section 3.20 of the Company Disclosure Schedule or (b) Loans that are subject to and that were made and continue to be in compliance with Regulation O, there are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions, between Company or any of its Subsidiaries, on the one hand, and any current director or &#8220;executive officer&#8221; (as defined in Rule 3b-7 under the </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-20<br></div></div></div>
<!--End Page 244-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 245-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg27"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;"><a name="iIN56"><!--Anchor--></a>Securities Exchange Act of 1934, as amended (the &#8220;<u>Exchange Act</u>&#8221;)) of Company or any of its Subsidiaries or any person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Company Common Stock (or any of such person's immediate family members or affiliates) (other than Subsidiaries of Company) on the other hand.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS321"><!--Anchor--></a>3.21&#8195;<u>State Takeover Laws</u>. No &#8220;moratorium,&#8221; &#8220;fair price,&#8221; &#8220;business combination,&#8221; &#8220;control share acquisition,&#8221; &#8220;interested shareholder&#8221;, &#8220;affiliate transactions&#8221;, or similar provision of any state anti-takeover law <a name="iIN138"><!--Anchor--></a>(any such laws, &#8220;<u>Takeover Statutes</u>&#8221;) is applicable to this Agreement, the Merger, the Bank Merger or any of the other transactions contemplated by this Agreement under the NCBCA or federal law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS322"><!--Anchor--></a>3.22&#8195;<u>Reorganization</u>. Company has not taken any action and is not aware of any fact or circumstance that could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS323"><!--Anchor--></a>3.23&#8195;<u>Opinion</u>. Prior to the execution of this Agreement, the board of directors of Company has received an opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of Raymond James to the effect that, as of the date of such opinion, and based upon and subject to the factors, assumptions, and limitations set forth therein, the Exchange Ratio is fair from a financial point of view to the holders of Company Common Stock. Such opinion has not been amended or rescinded as of the date of this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS324"><!--Anchor--></a>3.24&#8195;<u>Company Information</u>. The information relating to Company and its Subsidiaries which is provided by Company or its representatives for inclusion in (a) the Proxy Statement, (b) the S-4, (c) the documents and financial statements of the Company incorporated by reference in the Proxy Statement, the S-4 or any amendment or supplement thereto or (d) in any other document filed with any other Regulatory Agency in connection herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The Proxy Statement (except for such portions thereof that relate only to Purchaser or any of its Subsidiaries) will comply in all material respects with the provisions of the Exchange Act and the rules and regulations thereunder.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS325"><!--Anchor--></a>3.25&#8195;<u>Loan Portfolio</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;As of the date hereof, except as set forth in Section 3.25(a) of the Company Disclosure Schedule, neither Company nor any of its Subsidiaries is a party to any written or oral (i)&#160;loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and <a name="iIN79"><!--Anchor--></a>interest-bearing assets) (collectively, &#8220;<u>Loans</u>&#8221;) in which Company or any Subsidiary of Company is a creditor which as of June&#160;30, 2022, had an outstanding balance of $250,000 or more and under the terms of which the obligor was, as of June&#160;30, 2022, over ninety (90) days or more delinquent in payment of principal or interest, or (ii)&#160;Loans with any director or executive officer of the Company or any of its Subsidiaries, or to the knowledge of the Company, any affiliate of any of the foregoing (other than the Company and its Subsidiaries). Set forth in Section 3.25(a) of the Company Disclosure Schedule is a true, correct and complete list of (A) all of the Loans of Company and its Subsidiaries that, as of June&#160;30, 2022, were classified by Company as &#8220;Other Loans Specially Mentioned,&#8221; &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of Company or any of its Subsidiaries that, as of June&#160;30, 2022, is classified as &#8220;Other Real Estate Owned&#8221; and the book value thereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as would not reasonably be expected to have a Material Adverse Effect on Company, each Loan of Company and its Subsidiaries (i)&#160;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii)&#160;to the extent carried on the books and records of Company and its Subsidiaries as secured Loans, has been secured by valid charges, mortgages, pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#160;is the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-21<br></div></div></div>
<!--End Page 245-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 246-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg28"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;Except as would not reasonably be expected to have a Material Adverse Effect on Company, each outstanding Loan of Company and its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written underwriting standards of Company and its Subsidiaries (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local laws, regulations and rules.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Except as set forth in Section 3.25(d) of the Company Disclosure Schedule, none of the agreements pursuant to which Company or any of its Subsidiaries has sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or interests therein solely on account of a payment default by the obligor on any such Loan.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;There are no outstanding Loans made by Company or any of its Subsidiaries to any &#8220;executive officer&#8221; or other &#8220;insider&#8221; (as each such term is defined in Regulation O promulgated by the Federal Reserve Board) of Company or its Subsidiaries, other than Loans that are subject to and that were made and continue to be in compliance with Regulation O or that are exempt therefrom.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;Neither Company nor any of its Subsidiaries is now nor has it ever been since January&#160;1, 2019, subject to any fine, suspension, settlement or other contract or other administrative agreement or sanction by, or any reduction in any loan purchase commitment from, any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage or consumer Loans. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;With respect to each Loan that is secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity, such guaranty is in full force and effect and not subject to any defense or offset, and will remain in full force and effect and not subject to any defense or offset following the Closing Date, in each case, without any further action by the Company or its Subsidiaries' subject to the Company fulfilling its obligations under the Small Business Administration Agreement that arise after the date hereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS326"><!--Anchor--></a>3.26&#8195;<u>Insurance</u>. Except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Company, Company and its Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of Company reasonably has determined to be prudent and consistent with industry practice, and Company and its Subsidiaries are in compliance in all material respects with their insurance policies and are not in default under any of the terms thereof, each such policy is outstanding and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees of Company and its Subsidiaries, Company or the relevant Subsidiary thereof is the sole beneficiary of such policies, and all premiums and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and timely fashion.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS327"><!--Anchor--></a>3.27&#8195;<u>Information Security</u>. Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Company, to the knowledge of Company, since January&#160;1, 2019, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Company and its Subsidiaries.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS328"><!--Anchor--></a>3.28&#8195;<u>Marijuana Business</u>. All services provided by Company or its Subsidiaries to Cannabis Businesses or related entities or customers has been conducted in accordance with all applicable laws and guidance, including but not limited to (a) the directives and guidance set forth in &#8220;BSA Expectations Regarding Marijuana-Related Businesses,&#8221; dated February&#160;14, 2014 (FIN-2014-G001), issued by the Department of the Treasury Financial <a name="iIN63"><!--Anchor--></a>Crimes Enforcement Network (&#8220;<u>FinCEN</u>&#8221;), including but not limited to (i)&#160;completion of initial and ongoing diligence and monitoring of applicable businesses, (ii)&#160;the timely filing of all required suspicious activity reports <a name="iIN131"><!--Anchor--></a>(&#8220;<u>SAR</u>&#8221;) on marijuana-related business customers, including (1) &#8220;Marijuana Limited&#8221; SAR filings, (2)&#160;&#8220;Marijuana Priority&#8221; SAR filings and (3) &#8220;Marijuana Termination&#8221; SAR filings, as applicable, and (iii)&#160;currency transaction reports and FinCEN Form 8300 reports in connection with marijuana-related business customers and (b) the directives and guidance set forth in &#8220;Guidance Regarding Due Diligence Requirements under the Bank Secrecy Act for Hemp-Related Business Customers,&#8221; dated June&#160;29, 2020, issued by FinCEN, including but not limited to (i)&#160;completion of initial and ongoing diligence and monitoring, (ii)&#160;the timely filing of suspicious activity reports when triggered by the guidance, and (iii)&#160;currency transaction reports in the same manner required for non-cannabis customers. Neither Company nor its Subsidiaries services any Marijuana </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-22<br></div></div></div>
<!--End Page 246-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 247-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg29"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Business that, or any vendor to a Marijuana Business that, is not legal under, and operated in compliance with, applicable state laws; and neither the Company nor its Subsidiaries services any Hemp Business that, or any vendor to a Hemp Business that, is not legal under, and operated in compliance with, applicable laws, including the 2018 Farm Bill. Neither Company nor its Subsidiaries services any business that manufactures, processes, sells, or purchases Delta 8 Tetrahydrocannabinol products, nor any business that derives revenue from any business that manufactures, processes, sells, or purchases Delta 8 Tetrahydrocannabinol products. None of the Cannabis Businesses serviced by Company or its Subsidiaries has received a warning letter from the Federal <a name="iIN81"><!--Anchor--></a>Drug Administration. For purposes of this Agreement, &#8220;<u>Marijuana Business</u>&#8221; shall include businesses involved in the manufacture, processing, sale, or purchase of cannabis products, all or a portion of which may be schedule I <a name="iIN66"><!--Anchor--></a>controlled substances under the Controlled Substances Act; &#8220;<u>Hemp Business</u>&#8221; shall include businesses involved in the manufacture, processing, sale, or purchase of cannabis products, all of which are not controlled substances under the Controlled Substances Act; and &#8220;<a name="iIN13"><!--Anchor--></a><u>Cannabis Business</u>&#8221; shall include Marijuana Business, Hemp Business, related entities, and vendors or suppliers to the same.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS329"><!--Anchor--></a>3.29&#8195;<u>Reserved</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS330"><!--Anchor--></a>3.30&#8195;<u>Mortgage Banking Business</u>. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Company and its Subsidiaries have complied with, and all documentation in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by Company and its Subsidiaries satisfied, in all material respects, (i)&#160;all applicable federal, state and local laws, rules and regulations with respect to the origination, insuring, purchase, sale, pooling, servicing, subservicing, or filing of claims in connection with mortgage loans, including all laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii)&#160;the responsibilities and obligations relating to mortgage loans set forth in any agreement between Company and its Subsidiaries and any Agency, Loan Investor or Insurer, (iii)&#160;the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv)&#160;the terms and provisions of any mortgage or other collateral documents and other loan documents with respect to each mortgage loan. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;No Agency, Loan Investor or Insurer has (i)&#160;claimed in writing that Company or its Subsidiaries has violated or has not complied with the applicable underwriting standards with respect to mortgage loans sold by Company or its Subsidiaries to a Loan Investor or Agency, or with respect to any sale of mortgage servicing rights to a Loan Investor, (ii)&#160;imposed in writing restrictions on the activities (including commitment authority) of Company or its Subsidiaries or (iii)&#160;indicated in writing to Company or its Subsidiaries that it has terminated or intends to terminate its relationship with Company or its Subsidiaries for poor performance, poor loan quality or concern with respect to Company's or its Subsidiaries' compliance with laws.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">For purposes of this Section 3.30: (i) &#8220;<a name="iIN5"><!--Anchor--></a><u>Agency</u>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now known as USDA Office of Rural Development), the Federal National Mortgage Association, the United States Department of Veterans' Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or state agency with authority to (x)&#160;determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by Company or any of its Subsidiaries or (y) originate, purchase, or service mortgage loans, or otherwise promote mortgage lending, including state and local housing finance authorities; <a name="iIN78"><!--Anchor--></a>(ii)&#160;&#8220;<u>Loan Investor</u>&#8221; means any person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or serviced by Company or any of its Subsidiaries or a security backed by or representing <a name="iIN73"><!--Anchor--></a>an interest in any such mortgage loan; and (iii) &#8220;<u>Insurer</u>&#8221; means a person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon borrower default on any of the mortgage loans originated, purchased or serviced by Company or any of its Subsidiaries, including the Federal Housing Administration, the United States Department of Veterans' Affairs, the Rural Housing Service of the U.S.&#160;Department of Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-23<br></div></div></div>
<!--End Page 247-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 248-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg30"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS331"><!--Anchor--></a>3.31&#8195;<u>No Other Representations or Warranties</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except for the representations and warranties made by Company in this Article III, neither Company nor any other person makes any express or implied representation or warranty with respect to Company, its Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, or the transactions contemplated hereby, and Company hereby disclaims any such other representations or warranties. In particular, without limiting the foregoing disclaimer, neither Company nor any other person makes or has made any representation or warranty to Purchaser or any of its affiliates or representatives with respect to (i)&#160;any financial projection, forecast, estimate, budget or prospective information relating to Company, any of its Subsidiaries or their respective businesses, or (ii)&#160;except for the representations and warranties made by Company in this Article III, any oral or written information presented to Purchaser or any of its affiliates or representatives in the course of their due diligence investigation of Company, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Company acknowledges and agrees that neither Purchaser nor any other person has made or is making any express or implied representation or warranty with respect to Purchaser, its Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, or the transactions contemplated hereby, other than those contained in Article IV.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; text-align: center;"><a name="tANXAA4"><!--Anchor--></a>ARTICLE IV<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">REPRESENTATIONS AND WARRANTIES OF PURCHASER</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Except (i)&#160;as disclosed in the disclosure schedule delivered by Purchaser to Company concurrently herewith (the &#8220;<a name="iIN110"><!--Anchor--></a><u>Purchaser Disclosure Schedule</u>&#8221;); provided, that (a) no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (b) the mere inclusion of an item in the Purchaser Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Purchaser that such item represents a material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect, and (c) any disclosures made with respect to a section of Article IV shall be deemed to qualify (1) any other section of Article IV specifically referenced or cross-referenced and (2) other sections of Article IV to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections or (ii)&#160;as disclosed in any Purchaser Reports filed by Purchaser prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), Purchaser hereby represents and warrants to Company as follows:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS41"><!--Anchor--></a>4.1&#8195;<u>Corporate Organization</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Purchaser is a corporation duly organized, validly existing and in good standing under the laws of the State of West Virginia and is a financial holding company duly registered under the BHC Act. Purchaser has all requisite corporate power and authority to own or lease all of its properties and assets and to carry on its business as it is now being conducted. Purchaser is duly licensed or qualified to do business, and, where such concept is recognized under applicable law, is in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified or in good standing would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Purchaser. True and complete copies of the Purchaser Articles and Purchaser Bylaws, as in effect as of the date of this Agreement, have previously been made available by Purchaser to Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Each Subsidiary of Purchaser (a &#8220;<a name="iIN123"><!--Anchor--></a><u>Purchaser Subsidiary</u>&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;is duly licensed or qualified to do business and, where such concept is recognized under applicable law, in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified or in good standing would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Purchaser and (iii)&#160;has all requisite corporate power and authority to own or lease its </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-24<br></div></div></div>
<!--End Page 248-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 249-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg31"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Purchaser to pay dividends or distributions except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of Purchaser that is an insured depository institution are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or threatened. Section 4.1(b) of the Purchaser Disclosure Schedule sets forth a true and complete list of all Subsidiaries of Purchaser as of the date hereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS42"><!--Anchor--></a>4.2&#8195;<u>Capitalization</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;The authorized capital stock of Purchaser consists of 20,000,000 shares of Purchaser Common Stock, $1.00 par value, 20,000,000 shares of Class&#160;A common stock, $1.00 par value, and 20,000 shares of preferred stock, $1,000.00 par value, of which no shares of Class&#160;A common stock and no shares of preferred stock are issued or outstanding. As of the date of this Agreement, there are (i) 13,077,044 shares of Purchaser Common Stock issued and 12,229,028 shares of Purchaser Common Stock outstanding, including 150,708 shares of Purchaser Common Stock granted in respect of outstanding awards of Purchaser restricted shares under a Purchaser Stock Plan (as defined below) (a &#8220;<a name="iIN118"><!--Anchor--></a><u>Purchaser Restricted Stock Award</u>&#8221;), and excluding 166,212 shares of Purchaser Common Stock that may become outstanding if the performance conditions under which such shares were granted are subsequently achieved, (ii) 848,016 shares of Purchaser Common Stock held in treasury, (iii) 1,029,946 shares of Purchaser Common Stock reserved for issuance upon the exercise of outstanding stock options to purchase shares of Purchaser Common Stock granted under a Purchaser Stock Plan (&#8220;<a name="iIN121"><!--Anchor--></a><u>Purchaser Stock Options</u>&#8221; and, together with the Purchaser Restricted Stock Awards, the &#8220;<a name="iIN111"><!--Anchor--></a><u>Purchaser Equity Awards</u>&#8221;), (iv) 954,868 shares of Purchaser Common Stock reserved for issuance pursuant to future grants under the Purchaser Stock Plans, and (v)&#160;no other shares of capital stock or other voting securities of Purchaser issued, reserved for issuance or outstanding. As used herein, the &#8220;<a name="iIN122"><!--Anchor--></a><u>Purchaser Stock Plans</u>&#8221; shall mean all employee and director equity incentive plans of Purchaser in effect as of the date of this Agreement and agreements for equity awards in respect of Purchaser Common Stock granted by Purchaser under the inducement grant exception. All of the issued and outstanding shares of Purchaser Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which shareholders of Purchaser may vote. Except as set forth in Section 4.2(a) of the Purchaser Disclosure Schedule, no trust preferred or subordinated debt securities of Purchaser are issued or outstanding. Other than Purchaser Equity Awards issued prior to the date of this Agreement, as of the date of this Agreement there are no outstanding subscriptions, options, warrants, puts, calls, rights, exchangeable or convertible securities or other commitments or agreements obligating Purchaser to issue, transfer, sell, purchase, redeem or otherwise acquire, any such securities. There are no voting trusts, shareholder agreements, proxies or other agreements in effect with respect to the voting or transfer of the Purchaser Common Stock or other equity interests of Purchaser, other than the Voting Agreements. Other than the Purchaser Equity Awards, no equity-based awards (including any cash awards where the amount of payment is determined in whole or in part based on the price of any capital stock of Purchaser or any of its Subsidiaries) are outstanding.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as set forth in Section 4.2(b) of the Purchaser Disclosure Schedule, Purchaser owns, directly or indirectly, all of the issued and outstanding shares of capital stock or other equity ownership interests of each of the Purchaser Subsidiaries, free and clear of any Liens, and all of such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to bank Subsidiaries, as provided under 12 U.S.C. &#167; 55 or any comparable provision of applicable state law) and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Purchaser Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-25<br></div></div></div>
<!--End Page 249-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 250-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg32"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS43"><!--Anchor--></a>4.3&#8195;<u>Authority; No Violation</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Purchaser has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder and other actions described below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved by the Board of Directors of Purchaser. The Board of Directors of Purchaser has determined that the Merger, on the terms and conditions set forth in this Agreement, is in the best interests of Purchaser and its shareholders and has directed that this Agreement and the transactions contemplated hereby be submitted to Purchaser's shareholders for approval at a meeting of such shareholders and has adopted a resolution to the foregoing effect. Except for the approval of this Agreement by the affirmative vote of the holders of a majority of the outstanding shares of Purchaser Common Stock that are entitled to vote (the &#8220;<a name="iIN128"><!--Anchor--></a><u>Requisite Purchaser Vote</u>&#8221;), no other corporate proceedings on the part of Purchaser are necessary to approve this Agreement or to consummate the transactions contemplated hereby except, with respect to the Bank Merger, approval of the Bank Merger Agreement by Purchaser as sole shareholder of Purchaser Bank, to the extent the Bank Merger occurs under Section 1.12 hereof. This Agreement has been duly and validly executed and delivered by Purchaser and (assuming due authorization, execution and delivery by Company) constitutes a valid and binding obligation of Purchaser, enforceable against Purchaser in accordance with its terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions). The shares of Purchaser Common Stock to be issued in the Merger have been validly authorized when issued, will be validly issued, fully paid and nonassessable, and no current or past shareholder of Purchaser will have any preemptive right or similar rights in respect thereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Neither the execution and delivery of this Agreement by Purchaser, nor the consummation by Purchaser of the transactions contemplated hereby, including the Bank Merger, nor compliance by Purchaser with any of the terms or provisions hereof, will (i)&#160;violate any provision of the Purchaser Articles or the Purchaser Bylaws, or (ii)&#160;assuming that the consents, approvals and filings referred to in Section 3.4 and Section 4.4 are duly obtained, (x)&#160;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Purchaser, any of its Subsidiaries or any of their respective properties or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Purchaser or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Purchaser or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clause (y) above) for such violations, conflicts, breaches or defaults which either individually or in the aggregate would not reasonably be expected to have a Material Adverse Effect on Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS44"><!--Anchor--></a>4.4&#8195;<u>Consents and Approvals</u>. Except for (i)&#160;the filing of applications, filings and notices, as applicable, with NASDAQ, (ii)&#160;the filing of applications, filings, waiver requests and notices, as applicable, with the Federal Reserve Board under the BHC Act and WVDFI and approval of such applications, filings and notices or issuance of such waivers, (iii)&#160;the filing of applications, filings and notices, as applicable, with the FDIC, the WVDFI and the IDFPR in connection with the Bank Merger, including under the Bank Merger Act, and approval of such applications, filings and notices, (iv)&#160;the filing of any required applications, filings or notices with any state banking authorities listed on Section 3.4 of the Company Disclosure Schedule or Section 4.4 of the Purchaser Disclosure Schedule and approval of such applications, filings and notices, (v)&#160;the filing with the SEC of the Proxy Statement and the S-4 in which the Proxy Statement will be included as a prospectus, and declaration of effectiveness of the S-4, (vi)&#160;the filing of the articles of merger with the North Carolina SOS pursuant to the NCBCA and the articles of merger with the West Virginia SOS pursuant to the WVBCA and the filing of the Bank Merger Certificates, and (vii)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Purchaser Common Stock pursuant to this Agreement and the approval of the listing of such Purchaser Common Stock on NASDAQ, no consents or approvals of or filings or registrations with any Governmental Entity are necessary in connection with (A) the execution and delivery by Purchaser of this Agreement or (B) the consummation by </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-26<br></div></div></div>
<!--End Page 250-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 251-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg33"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Purchaser of the Merger and the other transactions contemplated hereby (including the Bank Merger, to the extent it is consummated). As of the date hereof, Purchaser is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger and Bank Merger on a timely basis.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS45"><!--Anchor--></a>4.5&#8195;<u>Reports</u>. Purchaser and each of its Subsidiaries have timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were required to file since January&#160;1, 2019 with any Regulatory Agencies, including, without limitation, any report, registration or statement required to be filed pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Purchaser. Except as set forth on Section 4.5 of the Purchaser Disclosure Schedule and for normal examinations conducted by a Regulatory Agency in the ordinary course of business of Purchaser and its Subsidiaries, (i)&#160;no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Purchaser, investigation into the business or operations of Purchaser or any of its Subsidiaries since January&#160;1, 2019, (ii)&#160;there is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Purchaser or any of its Subsidiaries, and (iii)&#160;there has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Purchaser or any of its Subsidiaries since January&#160;1, 2019, in each case, which would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS46"><!--Anchor--></a>4.6&#8195;<u>Financial Statements</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;The financial statements of Purchaser and its Subsidiaries included (or incorporated by reference) in the Purchaser Reports (including the related notes, where applicable) (i)&#160;have been prepared from, and are in accordance with, the books and records of Purchaser and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders' equity and consolidated financial position of Purchaser and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)&#160;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv)&#160;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of Purchaser and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. FORVIS, LLP has not resigned (or informed Purchaser that it intends to resign) or been dismissed as independent public accountants of Purchaser as a result of or in connection with any disagreements with Purchaser on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Except as would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Purchaser, neither Purchaser nor any of its Subsidiaries has any liability of any nature whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against on the consolidated balance sheet of Purchaser included in its Quarterly Report on Form 10-Q for the fiscal quarter ended June&#160;30, 2022 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since June&#160;30, 2022, or in connection with this Agreement and the transactions contemplated hereby.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;The records, systems, controls, data and information of Purchaser and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Purchaser or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have a Material Adverse Effect on Purchaser. Purchaser (x)&#160;has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) to ensure that material </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-27<br></div></div></div>
<!--End Page 251-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 252-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg34"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">information relating to Purchaser, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of Purchaser by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act, and (y) has disclosed, based on its most recent evaluation prior to the date hereof, to Purchaser's outside auditors and the audit committee of Purchaser's Board of Directors (i)&#160;any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect Purchaser's ability to record, process, summarize and report financial information, and (ii)&#160;any fraud, whether or not material, that involves management or other employees who have a significant role in Purchaser's internal controls over financial reporting. These disclosures were made in writing by management to Purchaser's auditors and audit committee and a copy has previously been made available to Company. There is no reason to believe that Purchaser's outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification, when next due.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Since January&#160;1, 2019, (i)&#160;neither Purchaser nor any of its Subsidiaries, nor, to the knowledge of Purchaser, any director, officer, auditor, accountant or representative of Purchaser or any of its Subsidiaries, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Purchaser or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that Purchaser or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&#160;no attorney representing Purchaser or any of its Subsidiaries, whether or not employed by Purchaser or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Purchaser or any of its officers, directors, employees or agents to the Board of Directors of Purchaser or any committee thereof or to the knowledge of Purchaser, to any director or officer of Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS47"><!--Anchor--></a>4.7&#8195;<u>Broker's Fees</u>. With the exception of the engagement of Stephens Inc., neither Purchaser nor any Purchaser Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker's fees, commissions or finder's fees in connection with the Merger or related transactions contemplated by this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS48"><!--Anchor--></a>4.8&#8195;<u>Absence of Certain Changes or Events</u>. Since December&#160;31, 2021, no event or events have occurred that have had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS49"><!--Anchor--></a>4.9&#8195;<u>Legal Proceedings</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except as would not reasonably be expected to result in a Material Adverse Effect on Purchaser, neither Purchaser nor any of its Subsidiaries is a party to any, and there are no pending or, to Purchaser's knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations of any nature against Purchaser or any of its Subsidiaries or any of their current or former directors or executive officers or challenging the validity or propriety of the transactions contemplated by this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;There is no injunction, order, judgment, decree, or regulatory restriction imposed upon Purchaser, any of its Subsidiaries or the assets of Purchaser or any of its Subsidiaries (or that, upon consummation of the Merger, would apply to the Surviving Corporation or any of its affiliates) that would reasonably be expected to be material to Purchaser and its Subsidiaries, taken as a whole.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS410"><!--Anchor--></a>4.10&#8195;<u>Taxes and Tax Returns</u>. Each of Purchaser and its Subsidiaries has duly and timely filed (including all applicable extensions) all material Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in all material respects. Neither Purchaser nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material Tax Return (other than extensions to file Tax Returns obtained in the ordinary course of business). All material Taxes of Purchaser and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of Purchaser and its Subsidiaries has withheld and paid all material Taxes required to have been withheld </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-28<br></div></div></div>
<!--End Page 252-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 253-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg35"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party. Neither Purchaser nor any of its Subsidiaries has granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. Except as set forth on Section&#160;4.10(a) of the Purchaser Disclosure Schedule, the federal income Tax Returns of Purchaser and its Subsidiaries for all years to and including 2021 have been examined by the IRS or are Tax Returns with respect to which the applicable period for assessment under applicable law, after giving effect to extensions or waivers, has expired. Neither Purchaser nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and there are no threatened in writing or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Purchaser and its Subsidiaries or the assets of Purchaser and its Subsidiaries. Purchaser has made available to Company true and complete copies of any private letter ruling requests, closing agreements or gain recognition agreements with respect to Taxes requested or executed in the last six&#160;(6)&#160;years. Neither Purchaser nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among Purchaser and its Subsidiaries). Neither Purchaser nor any of its Subsidiaries (i)&#160;has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was Purchaser) or (ii)&#160;has any liability for the Taxes of any person (other than Purchaser or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract or otherwise. Neither Purchaser nor any of its Subsidiaries has been, within the past two&#160;(2)&#160;years or otherwise as part of a &#8220;plan (or series of related transactions)&#8221; within the meaning of Section 355(e) of the Code of which the Merger is also a part, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; (within the meaning of Section 355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section 355 of the Code. Neither Purchaser nor any of its Subsidiaries has participated in a &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations section 1.6011-4(b)(1). At no time during the past five&#160;(5)&#160;years has Purchaser been a United States &#8220;real property holding corporation&#8221; within the meaning of Section&#160;897(c)(2) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS411"><!--Anchor--></a>4.11&#8195;<u>SEC Reports</u>. No communication mailed by Purchaser to its shareholders since January&#160;1, 2019 and prior to the date hereof nor any final registration statement, prospectus, report, schedule or definitive proxy statement filed with or furnished to the SEC since January&#160;1, 2019 by Purchaser pursuant to the Securities Act of 1933, as amended (the &#8220;<a name="iIN133"><!--Anchor--></a><u>Securities Act</u>&#8221;) or the Exchange Act (the &#8220;<a name="iIN117"><!--Anchor--></a><u>Purchaser Reports</u>&#8221;) as of the date thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. Since January&#160;1, 2019, as of their respective dates, all Purchaser Reports filed under the Securities Act and the Exchange Act complied in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this Agreement, no executive officer of Purchaser has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act. As of the date of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Purchaser Reports.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS412"><!--Anchor--></a>4.12&#8195;<u>Compliance with Applicable Law</u>. Purchaser and each of its Subsidiaries hold, and have at all times since January&#160;1, 2019, held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Purchaser, and, to the knowledge of Purchaser, no suspension or cancellation of any such necessary license, franchise, permit or authorization is threatened. Since January&#160;1, 2019, Purchaser and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any, applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Purchaser or any of its Subsidiaries. Purchaser Bank has a CRA rating of &#8220;satisfactory&#8221; or better in its most recently completed exam. Since January&#160;1, 2019, Purchaser and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-29<br></div></div></div>
<!--End Page 253-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 254-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg36"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Purchaser or any of its Subsidiaries, including all laws relating to the privacy and security of data or information in the custody or control of the Purchaser or any of its Subsidiaries that constitutes personal data, personal information, or nonpublic personal information under applicable law or, without limiting the foregoing, relates to an identified or identifiable natural person (&#8220;<a name="iIN114"><!--Anchor--></a><u>Purchaser Personal Data</u>&#8221;). Purchaser and its Subsidiaries maintain a written information privacy and security program that includes reasonable measures to protect the privacy, confidentiality and security of all Purchaser Personal Data against any (i)&#160;loss or misuse of Purchaser Personal Data, (ii)&#160;unauthorized or unlawful operations performed upon Purchaser Personal Data or (iii)&#160;other act or omission that compromises the security or confidentiality of Purchaser Personal Data (clauses (i)&#160;through (iii), a &#8220;<a name="iIN119"><!--Anchor--></a><u>Purchaser Security Breach</u>&#8221;). To the knowledge of Purchaser, neither Purchaser nor any of its Subsidiaries have experienced any Purchaser Security Breach that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Purchaser. To the knowledge of Purchaser, there are no data security or other technological vulnerabilities with respect to Purchaser's or its Subsidiaries information technology systems or networks that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Purchaser.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS413"><!--Anchor--></a>4.13&#8195;<u>Certain Contracts</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Each contract, arrangement, commitment or understanding (whether written or oral) which is a &#8220;material contract&#8221; (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC) to which Purchaser or any of its Subsidiaries is a party or by which Purchaser or any of its Subsidiaries is bound as of the date hereof has been filed as an exhibit to the most recent Annual Report on Form 10-K filed by Purchaser, or a Quarterly Report on Form 10-Q or Current Report on Form 8-K subsequent thereto (each a &#8220;<a name="iIN109"><!--Anchor--></a><u>Purchaser Contract</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Each Purchaser Contract is valid and binding on Purchaser or one of its Subsidiaries, as applicable, and in full force and effect, except as, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Purchaser. Purchaser and each of its Subsidiaries has in all material respects performed all obligations required to be performed by it to date under each Purchaser Contract, except where such noncompliance, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Purchaser. To Purchaser's knowledge each third-party counterparty to each Purchaser Contract has in all material respects performed all obligations required to be performed by it to date under such Purchaser Contract, except where such noncompliance, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Purchaser, and no event or condition exists which constitutes or, after notice or lapse of time or both, will constitute, a material default on the part of Purchaser or any of its Subsidiaries under any such Purchaser Contract, except where such default, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Purchaser. No third-party counterparty to any Purchaser Contract has exercised or threatened in writing to exercise any force majeure (or similar) provision to excuse non-performance or performance delays in any Purchaser Contract as a result of the Pandemic or the Pandemic Measures.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS414"><!--Anchor--></a>4.14&#8195;<u>Agreements with Regulatory Agencies</u>. Neither Purchaser nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&#160;1, 2019, a recipient of any supervisory letter from, or since January&#160;1, 2019, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Purchaser Disclosure Schedule, a &#8220;<a name="iIN116"><!--Anchor--></a><u>Purchaser </u><u>Regulatory Agreement</u>&#8221;), nor has Purchaser or any of its Subsidiaries been advised since January&#160;1, 2019, by any Regulatory Agency or other Governmental Entity of any potential action that could restrict the business of Purchaser or any of its Subsidiaries in any material respect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS415"><!--Anchor--></a>4.15&#8195;<u>State Takeover Laws</u>. The Board of Directors of Purchaser has approved this Agreement and the transactions contemplated hereby as required to render inapplicable to such agreements and transactions any Takeover Statutes.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-30<br></div></div></div>
<!--End Page 254-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 255-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg37"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS416"><!--Anchor--></a>4.16&#8195;<u>Reorganization</u>. Purchaser has not taken any action and is not aware of any fact or circumstance that could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS417"><!--Anchor--></a>4.17&#8195;<u>Purchaser Information</u>. The information relating to Purchaser and its Subsidiaries to be contained in the Proxy Statement and the S-4, and the information relating to Purchaser and its Subsidiaries that is provided by Purchaser or its representatives for inclusion in any other document filed with any other Regulatory Agency in connection herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The Proxy Statement (except for such portions thereof that relate only to Company or any of its Subsidiaries) will comply in all material respects with the provisions of the Exchange Act and the rules and regulations thereunder. The S-4 (except for such portions thereof that relate only to Company or any of its Subsidiaries) will comply in all material respects with the provisions of the Securities Act and the rules and regulations thereunder. Notwithstanding the foregoing, no representation or warranty is made by Purchaser with respect to statements made or incorporated by reference therein based on information provided or supplied by or on behalf of the Company or its Subsidiaries for inclusion in the Proxy Statement or the S-4.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS418"><!--Anchor--></a>4.18&#8195;<u>Information Security</u>. Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Purchaser, to the knowledge of Purchaser, since January&#160;1, 2019, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Purchaser and its Subsidiaries.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS419"><!--Anchor--></a>4.19&#8195;<u>Opinion</u>. Prior to the execution of this Agreement, the board of directors of Purchaser has received an opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of Stephens Inc. to the effect that, as of the date of such opinion, and based upon and subject to the factors, assumptions, and limitations set forth therein, the Exchange Ratio is fair to Purchaser from a financial point of view. Such opinion has not been amended or rescinded as of the date of this Agreement. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS420"><!--Anchor--></a>4.20&#8195;<u>Tax Matters</u>. As of the date of this Agreement it is the present intention, and as of the day of the Effective Time it will be the present intention, of Purchaser to continue, either through the Surviving Corporation or through a member of the Surviving Corporation's &#8220;qualified group&#8221; within the meaning of Treasury Regulations Section 1.368-1(d)(4)(ii), at least one significant historic business line of Company, or to use at least a significant portion of Company's and Company Bank's historic business assets in a business, in each case within the meaning of Treasury Regulations Section 1.368-1(d). As of the date of this Agreement and as of the date of the Effective Time, neither Purchaser nor any &#8220;related person&#8221; (as defined in Treasury Regulations Section 1.368-1(e)(4)) to Purchaser has or will have any plan or intention to redeem or reacquire, either directly or indirectly, any of the Purchaser Common Stock issued to the holders of Company Common Stock in connection with the Merger. As of the date of this Agreement and as of the date of the Effective Time, Purchaser does not have and will not have any plan or intention to sell or otherwise dispose of any of the assets of Company or Company Bank acquired in the Merger (whether directly or indirectly), except for (a) dispositions made in the ordinary course of business, (b) transfers described in Section 368(a)(2)(C) of the Code or (c)&#160;transactions described and permitted in Treasury Regulations Section&#160;1.368-2(k). Purchaser and Purchaser Bank have not taken or agreed to take (or failed to take or agree to take) any action, and do not know of any facts or circumstances, that would reasonably be expected to prevent the Merger from qualifying as a reorganization under Section 368(a) of the Code. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS421"><!--Anchor--></a>4.21&#8195;<u>No Other Representations or Warranties</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except for the representations and warranties made by Purchaser in this Article IV, neither Purchaser nor any other person makes any express or implied representation or warranty with respect to Purchaser, its Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and Purchaser hereby disclaims any such other representations or warranties. In particular, without limiting the foregoing disclaimer, neither Purchaser nor any other person makes or has made any representation or warranty to Company or any of its affiliates or representatives with respect to (i)&#160;any financial projection, forecast, estimate, budget or prospective information relating to Purchaser, any of its Subsidiaries or their respective businesses, or (ii)&#160;except for the representations and warranties made </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-31<br></div></div></div>
<!--End Page 255-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 256-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg38"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">by Purchaser in this Article IV, any oral or written information presented to Company or any of its affiliates or representatives in the course of their due diligence investigation of Purchaser, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Purchaser acknowledges and agrees that neither Company nor any other person has made or is making any express or implied representation or warranty with respect to the Company, its Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, or the transactions contemplated hereby, other than those contained in Article III.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; text-align: center;"><a name="tANXAA5"><!--Anchor--></a>ARTICLE V<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">COVENANTS RELATING TO CONDUCT OF BUSINESS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS51"><!--Anchor--></a>5.1&#8195;<u>Conduct of Business Prior to the Effective Time</u>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement (including as set forth in the Company Disclosure Schedule), required by law or as consented to in writing by Purchaser (or, in the case of clause (b), the Company) (such consent not to be unreasonably withheld, conditioned or delayed), (a) Company shall, and shall cause its Subsidiaries to, conduct its business in the ordinary course in all material respects and use commercially reasonable efforts to maintain and preserve intact its business organization, the services of its employees and its advantageous business relationships, and (b)&#160;except as expressly required by this Agreement (including as set forth in the Company Disclosure Schedule or the Purchaser Disclosure Schedule), required by law or as consented to in writing by the other party, each of the Company and Purchaser shall not, and shall cause their respective Subsidiaries not to, knowingly take any action that would reasonably be expected to adversely affect or materially delay the ability to obtain any necessary approvals of any Regulatory Agency or other Governmental Entity required for the transactions contemplated hereby or to perform its respective covenants and agreements under this Agreement or to consummate the transactions contemplated hereby on a timely basis. Notwithstanding anything to the contrary set forth in Section&#160;5.1 or Section 5.2 (other than Sections 5.2(b) and 5.2(f), to which this sentence shall not apply), a party and its Subsidiaries may take any commercially reasonable actions that such party reasonably determines are necessary or prudent for it to take or not take in response to the Pandemic or the Pandemic Measures&#894; provided, that such party shall provide prior notice to and consult in good faith with the other party to the extent such actions would otherwise require consent of the other party under this Section 5.1 or Section 5.2.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS52"><!--Anchor--></a>5.2&#8195;<u>Company Forbearances</u>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as set forth in the Company Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by law (including Pandemic Measures), Company shall not, and shall not permit any of its Subsidiaries to, without the prior written consent of Purchaser (such consent not to be unreasonably withheld, conditioned or delayed):</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;other than in the ordinary course of business consistent with past practice, incur any indebtedness for borrowed money (other than indebtedness of Company or any of its wholly-owned Subsidiaries to Company or any of its Subsidiaries), assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other individual, corporation or other entity;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(i)&#8195;adjust, split, combine or reclassify any capital stock;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(ii)&#8195;make, declare or pay any dividend, or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or any securities or obligations convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) into or exchangeable for any shares of its capital stock (except (A)&#160;dividends paid by any of the Subsidiaries of Company to Company or any of its wholly-owned Subsidiaries, or (B) the acceptance of shares of Company Common Stock as payment for the exercise price of Company Stock Options or for withholding Taxes incurred in connection with the exercise of Company Stock Options or the vesting or settlement of Company Equity Awards, in each case in accordance with past practice and the terms of the applicable award agreements);</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(iii)&#8195;grant any Company Equity Awards (or any similar award that would be a Company Equity Award had it been issued under the Company Stock Plans) or other equity-based awards or interests, or grant any individual, corporation or other entity any right to acquire any shares of its capital stock; or</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-32<br></div></div></div>
<!--End Page 256-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 257-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg39"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(iv)&#8195;issue, sell or otherwise permit to become outstanding any additional shares of capital stock or securities convertible or exchangeable into, or exercisable for, any shares of its capital stock or any options, warrants, or other rights of any kind to acquire any shares of capital stock, except pursuant to the exercise of stock options or the settlement of equity compensation awards outstanding as of the date hereof in accordance with their terms;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;sell, transfer, mortgage, encumber or otherwise dispose of any of its material properties or assets or any business to any person, or cancel, release or assign any indebtedness to any such person or any claims held by any such person, in each case other than in the ordinary course of business consistent with past practice or pursuant to contracts or agreements in force at the date of this Agreement and set forth on Section 5.2(c) of the Company Disclosure Schedule;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;except for transactions in the ordinary course of business consistent with past practice or as set forth on Section 5.2(d) of the Company Disclosure Schedule, make any material investment either by purchase of stock or securities, contributions to capital, property transfers, or purchase of any property or assets of any other individual, corporation or other entity other than a wholly-owned Subsidiary of Company;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;terminate, materially amend, or waive any material provision of, any Company Contract, or make any change in any instrument or agreement governing the terms of any of its securities, or material lease or contract, other than normal renewals of contracts and leases without material adverse changes of terms with respect to Company, or enter into any contract that would constitute a Company Contract if it were in effect on the date of this Agreement, except for transactions in the ordinary course of business consistent with past practice;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;except as required under applicable law, the terms of any Company Benefit Plan existing as of the date hereof, or as set forth in Section 5.2(f) of the Company Disclosure Schedule, (i)&#160;enter into, establish, adopt, amend or terminate any Company Benefit Plan, or any arrangement that would be a Company Benefit Plan if in effect on the date hereof, other than with respect to broad-based welfare benefit plans (other than severance) in the ordinary course of business consistent with past practice and as would not reasonably be expected to materially increase the cost of benefits under any such Company Benefit Plan, as the case may be, (ii)&#160;increase the compensation or benefits payable to any current or former employee, director or individual consultant, other than increases for current employees with an annual base salary below $100,000 in connection with a promotion (permitted hereunder) or change in responsibilities, in each case, in the ordinary course of business consistent with past practice and to a level consistent with similarly situated peer employees, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation or benefits, (iv)&#160;enter into any new, or amend any existing, employment, severance, change in control, retention, collective bargaining agreement or similar agreement or arrangement, (v)&#160;fund any rabbi trust or similar arrangement, or in any other way secure the payment of compensation or benefits under any Company Benefit Plan, (vi)&#160;terminate the employment or services of any employee with an annual base salary (exclusive of commissions) equal to or in excess of $150,000, other than for cause, or (vii)&#160;hire or promote any employee with an annual base salary equal to or in excess of $100,000 (other than as a replacement hire or promotion on substantially similar terms of employment as the departed employee), or significantly change the responsibilities assigned to any such employee;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;except as set forth in the Company Disclosure Schedules, settle any material claim, suit, action or proceeding, other than those relating to any foreclosure action by Company or except in the ordinary course of business consistent with past practice in an amount and for consideration not in excess of $100,000 individually or $250,000 in the aggregate and that would not impose any material restriction on the business of it or its Subsidiaries or the Surviving Corporation;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(h)&#8195;take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(i)&#8195;amend its articles of incorporation, its bylaws or comparable governing documents of its Subsidiaries;</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-33<br></div></div></div>
<!--End Page 257-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 258-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg40"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(j)&#8195;merge or consolidate itself or any of its Subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its Subsidiaries;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(k)&#8195;materially restructure or materially change its investment securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported or purchase any security rated below investment grade, in each case, other than (i)&#160;in the ordinary course of business consistent with past practice or (ii)&#160;as may be required by GAAP or any applicable laws, regulations, guidelines or policies imposed by a Governmental Entity;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(l)&#8195;take any action that is intended or expected to result in any of its representations and warranties set forth in this Agreement being or becoming untrue in any material respect at any time prior to the Effective Time, or in any of the conditions to the Merger set forth in Article VII not being satisfied or in a violation of any provision of this Agreement, except, in every case, as may be required by applicable law;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(m)&#8195;implement or adopt any change in its accounting principles, practices or methods, other than as may be required by GAAP or applicable law;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(n)&#8195;enter into any new line of business or change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating, securitization and servicing policies (including any change in the maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required by applicable law, regulation or policies imposed by any Governmental Entity;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(o)&#8195;make any loans or extensions of credit except (i)&#160;in the ordinary course of business consistent with past practice, (ii)&#160;with aggregate outstanding commitments to any borrower or group of related borrowers not in excess of $750,000, (iii)&#160;government guaranteed loans with unguaranteed portions not exceeding $1,250,000, or (iv)&#160;pursuant to existing commitments; provided, that Purchaser shall be required to respond to any requests for a consent to make such loan or extension of credit in writing within two&#160;(2)&#160;business days after the loan package is delivered to Purchaser; </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(p)&#8195;make any material changes in its policies and practices with respect to (i)&#160;underwriting, pricing, originating, acquiring, selling, servicing, or buying or selling rights to service, Loans or (ii)&#160;its investment, risk and asset liability management or hedging practices and policies, in each case except as required by law or requested by a Regulatory Agency;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(q)&#8195;make, or commit to make, any individual capital expenditures in excess of $100,000;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(r)&#8195;make any Tax election in the ordinary course of business that is inconsistent with Company's (or its Subsidiaries') prior practices, make any other Tax election, change or revoke any material Tax election, change an annual Tax accounting period, adopt or change any Tax accounting method, file any amended Tax Return, enter into any closing agreement with respect to Taxes, or settle any Tax claim, audit, assessment or dispute or surrender any right to claim a refund of Taxes;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(s)&#8195;except as set forth in the Company Disclosure Schedule, make application for the opening, relocation or closing of any, or open, relocate or close any, branch office, loan production office or other significant office or operations facility of it or its Subsidiaries;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(t)&#8195;knowingly take any action that is intended to or would reasonably be likely to prevent, materially impede or materially delay the ability of Purchaser, Company or their respective Subsidiaries to obtain any necessary approvals of any Governmental Entity required for the Merger (including the Requisite Regulatory Approvals) or to perform their covenants and agreements under this Agreement or to consummate the transactions contemplated hereby; </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(u)&#8195;increase or decrease the rate of interest paid on time deposits, or on certificates of deposit, except in a manner consistent with market conditions and pursuant to policies consistent with past practices; </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(v)&#8195;extend or shorten the maturity dates on any loans or extensions of credit or extend or shorten the term on any time deposits except, in each case, as consistent with past practice but, in no event, for period greater than twelve (12) months; provided, that Purchaser shall be required to respond to any requests for a consent to such modification within two (2) business days after the request is received by Purchaser; or</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-34<br></div></div></div>
<!--End Page 258-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 259-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg41"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(w)&#8195;agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any of the actions prohibited by this Section 5.2.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS53"><!--Anchor--></a>5.3&#8195;<u>Purchaser Forbearances</u>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as set forth in the Purchaser Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by law, Purchaser shall not, and shall not permit any of its Subsidiaries to, without the prior written consent of Company (such consent not to be unreasonably withheld, conditioned or delayed):</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;amend its articles of incorporation, its regulations or comparable governing documents of its Subsidiaries in a manner that would adversely affect the economic benefits of the Merger to the holders of the Company Common Stock;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;adjust, split, combine or reclassify any capital stock;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;adopt or publicly propose a plan of complete or partial liquidation or resolutions providing for or authorizing such a liquidation or a dissolution of Purchaser;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;make any written communications to the employees of the Company or any of its Subsidiaries without prior consultation with the Company and consideration of any Company comments in good faith;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code; or</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any of the actions prohibited by this Section 5.3.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; text-align: center;"><a name="tANXAA6"><!--Anchor--></a>ARTICLE VI<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">ADDITIONAL AGREEMENTS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS61"><!--Anchor--></a>6.1&#8195;<u>Regulatory Matters</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Promptly after the date of this Agreement, Purchaser and Company shall prepare and file with the SEC the Proxy Statement and Purchaser shall prepare and file with the SEC the S-4, in which the Proxy Statement will be included as a prospectus. Each of Purchaser and Company shall use its reasonable best efforts to have the S-4 declared effective under the Securities Act as promptly as practicable after such filing, and to keep the S-4 effective for so long as necessary to consummate the transactions contemplated by this Agreement, and Purchaser and Company shall thereafter as promptly as practicable mail or deliver the Proxy Statement to their respective shareholders. Purchaser shall also use its reasonable best efforts to obtain all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions contemplated by this Agreement, and Company shall furnish all information concerning Company and the holders of Company Common Stock as may be reasonably requested in connection with any such action.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;The parties hereto shall cooperate with each other and use, and cause their applicable Subsidiaries to use, their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by this Agreement (including, without limitation, the Merger and, if applicable, the Bank Merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such Governmental Entities. Without limiting the generality of the foregoing, as soon as practicable and in no event later than sixty (60) calendar days after the date of this Agreement, Purchaser and the Company shall, and shall cause their respective Subsidiaries to, each prepare and file any applications, notices, petitions and filings required to be filed with any Governmental Entity in order to obtain the Requisite Regulatory Approvals. Purchaser and Company shall have the right to review in advance, and, to the extent practicable, each will, in good faith, consult the other on, in each case subject to applicable laws relating to the exchange of information, all the information relating to Company or Purchaser, as the case may be, and any of their respective Subsidiaries, which appears in any filing made with, or written materials submitted to, any third party or any Governmental Entity in connection with the transactions contemplated by this Agreement. In exercising the foregoing right, each of the parties hereto </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-35<br></div></div></div>
<!--End Page 259-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 260-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg42"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">shall act reasonably, diligently, and as promptly as practicable. The parties hereto agree that they will consult with each other with respect to the obtaining of all permits, consents, approvals and authorizations of all third parties and Governmental Entities necessary or advisable to consummate the transactions contemplated by this Agreement and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated herein. Each party shall, in good faith, consult with the other in advance of any meeting or conference with any Governmental Entity in connection with the transactions contemplated by this Agreement and to the extent permitted by such Governmental Entity, give the other party and/or its counsel the opportunity to attend and participate in such meetings and conferences.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;In furtherance and not in limitation of the foregoing, each of Purchaser and Company shall use its reasonable best efforts to (i)&#160;avoid the entry of, or to have vacated, lifted, reversed or overturned any decree, judgment, injunction or other order, whether temporary, preliminary or permanent, that would restrain, prevent or delay the Closing, and (ii)&#160;avoid or eliminate each and every impediment, including with respect to obtaining the Requisite Regulatory Approvals, so as to enable the Closing to occur as soon as possible. Notwithstanding the foregoing, nothing contained herein shall be deemed to require Purchaser or permit Company to take, or agree to take, any action, or commit to take any action, or agree to any condition or restriction, in connection with the grant of a Requisite Regulatory Approval, that would reasonably be expected to have a Material Adverse Effect on Purchaser and its Subsidiaries, taken as a whole, after giving <a name="iIN83"><!--Anchor--></a>effect to the Merger (a &#8220;<u>Materially Burdensome Regulatory Condition</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Purchaser and Company shall, upon request, furnish each other with all information concerning themselves, their respective Subsidiaries, directors, officers and shareholders and such other matters as may be reasonably necessary or advisable in connection with the Proxy Statement, the S-4 or any other statement, filing, notice or application made by or on behalf of Purchaser, Company or any of their respective Subsidiaries to any Governmental Entity in connection with the Merger, the Bank Merger (if applicable) and the other transactions contemplated by this Agreement. Each of Purchaser and the Company agrees, as to itself and its Subsidiaries, that none of the information supplied or to be supplied by it for inclusion or incorporation by reference in (i)&#160;the S-4 will, at the time the S-4 and each amendment or supplement thereto, if any, becomes effective under the Securities Act, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading and (ii)&#160;the Proxy Statement and any amendment or supplement thereto will, at the date of mailing to Company's and Purchaser's shareholders and at the time of the Company Meeting and Purchaser Meeting to consider and vote upon approval of the Merger, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which such statement was made, not misleading. Each of Purchaser and the Company further agrees that if it becomes aware that any information furnished by it would cause any of the statements in the S-4 or the Proxy Statement and each amendment or supplement thereto to be false or misleading with respect to any material fact, or to omit to state any material fact necessary to make the statements therein not false or misleading, to promptly inform the other party thereof and to take appropriate steps to correct the S-4 or the Proxy Statement and any amendment or supplement thereto.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;To the extent permitted by applicable law, Purchaser and Company shall promptly advise each other upon receiving any communication from any Governmental Entity whose consent or approval is required for consummation of the transactions contemplated by this Agreement that causes such party to believe that there is a reasonable likelihood that any Requisite Regulatory Approval will not be obtained or that the receipt of any such approval will be materially delayed. As used in this Agreement, the &#8220;<a name="iIN129"><!--Anchor--></a><u>Requisite </u><u>Regulatory Approvals</u>&#8221; shall mean all regulatory authorizations, consents, waivers, orders or approvals from (x)&#160;the Federal Reserve Board, the FDIC, the NCCOB, the WVDFI and the IDFPR and (y) any other approvals set forth in Sections 3.4 and 4.4 which are necessary to consummate the transactions contemplated by this Agreement, including the Merger and the Bank Merger, or those the failure of which to be obtained would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on the Surviving Corporation or any of its Subsidiaries.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS62"><!--Anchor--></a>6.2&#8195;<u>Access to Information</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Upon reasonable notice and subject to applicable laws (including Pandemic Measures), the Company shall, and shall cause each of its Subsidiaries to, afford to the officers, employees, counsel, </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-36<br></div></div></div>
<!--End Page 260-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 261-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg43"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">accountants and advisors of Purchaser, reasonable access, during normal business hours during the period prior to the Effective Time, and for purposes of verifying the representations and warranties of Company in Article III and preparing for the Merger and the other matters contemplated by this Agreement, to all its properties, books, personnel and records, except that the Purchaser's access to the properties shall not extend to the sampling of the soil, groundwater, surface water, soil or sub-slab vapor, or indoor air quality at the properties, and shall cooperate with Purchaser in preparing to execute after the Effective Time conversion or consolidation of systems and business operations generally, and, during such period, the Company shall, and shall cause its Subsidiaries to, make available to Purchaser all other information concerning its business, properties and personnel as Purchaser may reasonably request. Upon reasonable notice and subject to applicable laws, Purchaser shall, and shall cause each of its Subsidiaries to, afford to the officers, employees, counsel, accountants and advisors of the Company, reasonable access, during normal business hours during the period prior to the Effective Time, and solely for purposes of verifying the representations and warranties of Purchaser in Article IV, to the Purchaser's properties, books, personnel and records. Each party shall use commercially reasonable efforts to minimize any interference with the other party's regular business operations during any such access. Neither Purchaser nor the Company nor any of their respective Subsidiaries shall be required to provide access to or to disclose information where such access or disclosure would violate or prejudice the rights of Purchaser's or the Company's, as the case may be, customers, jeopardize the attorney-client privilege or other legal privilege of the party in possession or control of such information (after giving due consideration to the existence of any common interest, joint defense or similar agreement between the parties) or contravene any law, rule, regulation, order, judgment, decree, fiduciary duty, duty of confidentiality or binding agreement entered into prior to the date of this Agreement. The parties hereto will use reasonable best efforts to cooperate and request waivers or make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding sentence apply.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Each of Purchaser and Company shall hold all information furnished by or on behalf of the other party or any of such party's Subsidiaries or representatives pursuant to Section 6.2(a) in confidence to the extent required by, and in accordance with, the provisions of the Mutual Non-Disclosure and <a name="iIN49"><!--Anchor--></a>Non-Solicitation Agreement, dated March&#160;17, 2022, between Purchaser and Company (the &#8220;<u>Confidentiality </u><u>Agreement</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;No investigation by either of the parties or their respective representatives shall affect or be deemed to modify or waive the representations and warranties of the other set forth herein. Nothing contained in this Agreement shall give either party, directly or indirectly, the right to control or direct the operations of the other party prior to the Effective Time. Prior to the Effective Time, each party shall exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over its and its Subsidiaries' respective operations.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS63"><!--Anchor--></a>6.3&#8195;<u>Shareholders' Approvals</u>. Each of Purchaser and Company shall, in accordance with applicable laws, Purchaser Articles, Purchaser Bylaws, the Company Articles and the Company Bylaws, as applicable, call, give notice of and convene a meeting of its shareholders (the &#8220;<a name="iIN113"><!--Anchor--></a><u>Purchaser Meeting</u><a name="iIN36"><!--Anchor--></a>&#8221;, and the &#8220;<u>Company Meeting</u>,&#8221;) to be held as soon as reasonably practicable after the S-4 is declared effective for the purpose of obtaining (a) in the case of Purchaser, the Requisite Purchaser Vote and, in the case of Company, the Requisite Company Vote required in connection with this Agreement and the Merger and (b), if so desired and mutually agreed, upon other matters of the type customarily brought before an annual or special meeting of shareholders to approve a merger. Such meetings may be held virtually, subject to applicable law and the organizational documents of each party. Each of Purchaser and Company and their respective Boards of Directors shall use their reasonable best efforts to obtain from the shareholders of Purchaser and Company, as applicable, the Requisite Purchaser Vote and the Requisite Company Vote, as applicable, including by communicating to the respective shareholders of Purchaser and Company its recommendation (and including such recommendation in the Proxy Statement) that the shareholders of Purchaser and the shareholders of Company, as applicable, adopt and approve this Agreement and the transactions contemplated hereby. However, subject to Section 8.1 and Section 8.2, if the Board of Directors of Purchaser or Company, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in good faith that it would be reasonably likely to result in a violation of its fiduciary duties under applicable law to continue to recommend this Agreement, then in submitting this Agreement to its shareholders, such Board of Directors may (but shall not be required to), in the case of Purchaser, prior to the receipt of the Requisite Purchaser Vote, and in the case of Company, prior to the receipt </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-37<br></div></div></div>
<!--End Page 261-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 262-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg44"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">of the Requisite Company Vote, submit this Agreement to its shareholders without recommendation (although the resolutions approving this Agreement as of the date hereof may not be rescinded or amended), in which event such Board of Directors may communicate the basis for its lack of a recommendation to its shareholders in the Proxy Statement or an appropriate amendment or supplement thereto to the extent required by law; provided, that such Board of Directors may not take any actions under this sentence unless (i)&#160;it gives the other party at least five (5) business days' prior written notice of its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action (including, in the event such action is taken by the Board of Directors of Company in response to an Acquisition Proposal, the latest material terms and conditions of, and the identity of the third party making, any such Acquisition Proposal, or any amendment or modification thereof, and a copy thereof if in writing and any related documentation or correspondence) and (ii)&#160;at the end of such notice period, such Board of Directors takes into account any amendment or modification to this Agreement proposed by the other party and after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in good faith that it would nevertheless be reasonably likely to result in a violation of its fiduciary duties under applicable law to continue to recommend this Agreement. Any material amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of this Section 6.3 and will require a new notice period as referred to in this Section 6.3. Purchaser or Company shall adjourn or postpone the Purchaser Meeting or Company Meeting, as the case may be, if, as of the time for which such meeting is originally scheduled, there are insufficient shares of Purchaser Common Stock or Company Common Stock, as the case may be, represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such meeting, or if on the date of such meeting Purchaser or Company, as applicable, has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Purchaser Vote or the Requisite Company Vote and subject to the terms and conditions of this Agreement, Purchaser and Company, as applicable, shall continue to use reasonable best efforts to solicit proxies from its shareholders in order to obtain the Requisite Purchaser Vote or the Requisite Company Vote, respectively. Notwithstanding anything to the contrary herein, unless this Agreement has been terminated in accordance with its terms, (a) Purchaser Meeting shall be convened and this Agreement shall be submitted to the shareholders of Purchaser at the Purchaser Meeting for the purpose of voting on the approval of this Agreement and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Purchaser of such obligation and (b) Company Meeting shall be convened and this Agreement shall be submitted to the shareholders of Company at the Company Meeting for the purpose of voting on the approval of this Agreement and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Company of such obligation.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS64"><!--Anchor--></a>6.4&#8195;<u>Legal Conditions to Merger</u>. Subject in all respects to Sections 6.1, 6.3 and 6.12 of this Agreement, each of Purchaser and Company shall, and shall cause its Subsidiaries to, use their reasonable best efforts (a) to take, or cause to be taken, all actions necessary, proper or advisable to comply promptly with all legal requirements that may be imposed on such party or its Subsidiaries with respect to the Merger and, if applicable, the Bank Merger and, subject to the conditions set forth in Article VII hereof, to consummate the transactions contemplated by this Agreement, and (b) to obtain (and to cooperate with the other party to obtain) any material consent, authorization, order or approval of, or any exemption by, any Governmental Entity and any other third party that is required to be obtained by Company or Purchaser or any of their respective Subsidiaries in connection with the Merger, the Bank Merger (if applicable) and the other transactions contemplated by this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS65"><!--Anchor--></a>6.5&#8195;<u>Stock Exchange Listing</u>. Purchaser shall use its reasonable best efforts to cause the shares of Purchaser Common Stock to be issued in the Merger (including shares of Purchaser Common Stock to be reserved for issuance upon exercise of Purchaser Stock Options, in each case, to be issued pursuant to Section 1.8) to be approved for listing on NASDAQ, subject to official notice of issuance, prior to the Effective Time.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS66"><!--Anchor--></a>6.6&#8195;<u>Employee Benefit Plans</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;During the period commencing at the Effective Time and ending on the twelve (12) month anniversary of the Closing Date or, if shorter, during the period of employment of a Continuing Employee following the Closing, the Surviving Corporation shall provide each of the employees of the Company and its Subsidiaries who continue to be employed by the Surviving Corporation and its Subsidiaries immediately <a name="iIN50"><!--Anchor--></a>following the Effective Time (each a &#8220;<u>Continuing Employee</u>&#8221;) with (i)&#160;a base salary or wage rate, as applicable, that is no less than the base salary or wage rate, as applicable, provided to the Continuing </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-38<br></div></div></div>
<!--End Page 262-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 263-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg45"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Employee prior to Closing, (ii)&#160;target cash bonus opportunities that are no less favorable than the target cash bonus opportunities that are generally made available to similarly situated employees of Purchaser and its Subsidiaries and (iii)&#160;employee benefits that, in the aggregate, are substantially the same as those that are generally made available to similarly situated employees of Purchaser and its Subsidiaries. Any employee of the Company and its Subsidiaries who is terminated by the Company without cause at the Purchaser's request on the Closing Date or by Purchaser without cause within nine (9) months following the Closing Date, or who voluntarily resigns employment due to involuntary relocation of employee's principal place of employment to a location which is more than twenty&#8211;five (25) miles from the employees principal place of employment immediately prior to the Closing Date, shall be entitled to severance in accordance with the schedule set forth on Section 6.6(a) of the Purchaser Disclosure Schedule. Notwithstanding the foregoing, the requirements of this Section 6.6(a) shall not apply to any Company employee who has or is party to any employment agreement, severance agreement, change in control agreement or any other agreement or arrangement that provides a CIC Payment.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;With respect to any employee benefit plans of the Surviving Corporation or its Subsidiaries in which any Continuing Employees become eligible to participate on or after the Effective Time (the &#8220;<a name="iIN91"><!--Anchor--></a><u>New </u><u>Plans</u>&#8221;), the Surviving Corporation shall use commercially reasonable efforts to: (i)&#160;waive all pre-existing conditions, exclusions and waiting periods with respect to participation and coverage requirements applicable to such employees and their eligible dependents under any New Plans, except to the extent such pre-existing conditions, exclusions or waiting periods would apply under the analogous Company Benefit Plan, (ii)&#160;provide each such employee and his or her eligible dependents with credit for any eligible expenses incurred by such employee or dependent prior to the Effective Time under a Company Benefit Plan (to the same extent that such credit was given under the analogous Company Benefit Plan prior to the Effective Time) in satisfying any applicable deductible, co-payment or out-of-pocket requirements under any New Plans, and (iii)&#160;recognize all service of such employees with the Company and its Subsidiaries for all purposes in any New Plan to the same extent that such service was taken into account under the analogous Company Benefit Plan prior to the Effective Time; provided, that the foregoing service recognition shall not apply (A) to the extent it would result in duplication of benefits for the same period of services, (B) for benefit accrual purposes under any employee benefit plan of Purchaser or any of its affiliates that is a defined benefit pension or post-retirement welfare plan or (C) where such service is with respect to a newly established benefit plan of Purchaser for which similarly situated employees of Purchaser do not receive past service credit.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;If Purchaser so requests (which request shall be made not less than fifteen (15) days, or sixty&#160;(60)&#160;days with respect to a requested termination of participation in the Pentegra Defined Contribution Plan for Financial Institutions, prior to the Effective Time), the Company shall take any and all actions, to the extent permitted by law and the terms of the applicable plan, required (including without limitation, the adoption of resolutions by its Board of Directors) to amend, freeze and/or terminate, or withdraw as a participating employer in, any or all Company Benefit Plans or Multiple Employer Plans (including, without limitation, the Pentegra Defined Contribution Plan for Financial Institutions) immediately prior to the Effective Time (as permitted by the terms of the applicable Company Benefit Plan), and, if requested by Purchaser, to implement any such actions, contingent on the Closing occurring. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Without limiting the generality of the foregoing Section 6.6(c) hereof, prior to the Effective Time, the Company shall take any and all actions and adopt such necessary resolutions, reasonably acceptable to Purchaser, to (i)&#160;terminate the West Town Bank &amp; Trust Supplemental Executive Benefit Plan, as amended, and make distributions to participants therein, in compliance with section 409A of the Code and the regulations promulgated thereunder; and (ii) terminate the Company 401(k) Plan effective as of the date immediately preceding the Closing Date and adopt such amendments to such Company 401(k) Plan as are necessary to terminate the Company 401(k) Plan and effectuate the provisions of this Section 6.6(d), contingent on the Closing occurring. In addition to the foregoing, prior to the Effective Time, the Company shall take any and all actions as may be required, including adopting amendments to the Company 401(k) Plan to permit each participant in the Company 401(k) Plan who has a loan outstanding at the Effective Time to make arrangements to continue to repay such loan in accordance with the original amortization schedule until such time as the participant's 401(k) account balance is distributed. The form and substance of all such resolutions and amendments shall be subject to the review and approval of Purchaser, which shall not be unreasonably withheld, and the Company shall deliver to Purchaser an executed copy of the </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-39<br></div></div></div>
<!--End Page 263-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 264-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg46"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">resolutions and amendment as soon as practicable following their adoption by the Board of Directors of the Company and shall fully comply with such resolutions and amendments. In connection with the termination of the Company 401(k) Plan and the Merger, the Company shall, or shall cause its applicable Affiliate to, provide that (a) all Company 401(k) Plan participant accounts shall be fully vested, (b) all benefit accruals under the Company 401(k) Plan will be frozen and no new participants will be admitted to the Company 401(k) Plan on or after the Company 401(k) Plan termination date, and (c) any contributions due to the Company 401(k) Plan for the period before the Company 401(k) Plan termination date and not yet paid by the Company 401(k) Plan termination date will be contributed by the Company as soon as administratively feasible after the Company 401(k) Plan termination date. As soon as practicable following the Company 401(k) Plan termination date, the account balances in the Company 401(k) Plan shall either be distributed to participants and beneficiaries or transferred to an eligible tax-qualified retirement plan or individual retirement account as a participant or beneficiary may direct. Prior to the distribution of account balances in the Company 401(k) Plan, Purchaser shall take any and all actions as may be required, including adopting amendments to the tax-qualified defined contribution retirement plan designated by Purchaser to permit each Continuing Employee to make rollover contributions of &#8220;eligible rollover distributions&#8221; (within the meaning of Section 401(a)(31) of the Code, including of outstanding plan loans) at the time of such distribution from the Company 401(k) Plan in the form of cash, notes (in the case of loans) or a combination thereof, in an amount equal to the full account balance distributed to such Continuing Employee from the Company 401(k) Plan. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;Nothing in this Agreement shall confer upon any employee, officer, director or consultant of the Company or any of its Subsidiaries or affiliates any right to continue in the employ or service of the Surviving Corporation, the Company, or any Subsidiary or affiliate thereof, or shall interfere with or restrict in any way the rights of the Surviving Corporation, the Company, Purchaser or any Subsidiary or affiliate thereof to discharge or terminate the services of any employee, officer, director or consultant of the Company or any of its Subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in this Agreement shall be deemed to (i)&#160;establish, amend, or modify any Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement, or (ii)&#160;alter or limit the ability of the Surviving Corporation or any of its Subsidiaries or affiliates to amend, modify or terminate any particular Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement after the Effective Time. Without limiting the generality of Section 9.10, nothing in this Agreement, express or implied, is intended to or shall confer upon any person, including any current or former employee, officer, director or consultant of the Company or any of its Subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;Any Company employee who has or is party to any employment agreement, severance agreement, change in control agreement or any other agreement or arrangement that provides for any payment that may be triggered by the Merger or, if applicable, the Bank Merger (each, a &#8220;<a name="iIN18"><!--Anchor--></a><u>CIC Payment</u>&#8221;) shall not receive any severance benefits as provided in Section 6.6(a) but will receive his or her applicable CIC Payment to the extent it is required to be paid under such agreement, provided that, on or before the Closing, Company will take all steps necessary to ensure that in the event that the amounts of any CIC Payment, either individually or in conjunction with a payment or benefit under any other plan, agreement or arrangement that is aggregated for purposes of Code Section 280G (in the aggregate, &#8220;<a name="iIN145"><!--Anchor--></a><u>Total Payments</u>&#8221;), would constitute an &#8220;excess parachute payment&#8221; within the meaning of Section 280G of the Code that is subject to the Tax imposed by Section 4999 of such Code, then the amounts of such CIC Payment shall be reduced such that the value of the Total Payments that each counterparty is entitled to receive shall be $1.00 less than the maximum amount which the counterparty may receive without becoming subject to the excise tax or resulting in a disallowance of a deduction of the payment of such amount under Section 280G of the Code. Any Company employee who waives and relinquishes his or her right to a CIC Payment will be eligible for a severance payment as provided in Section 6.6(a) (as long as such severance payment does not constitute an excess parachute payment to such Company employee), unless such Company employee enters into an employment agreement, severance agreement, change in control agreement or any written similar agreement or arrangement with the Surviving Corporation or a Subsidiary of the Surviving Corporation.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;Notwithstanding any other provisions, the Surviving Corporation agrees to assume and honor in accordance with their terms all employment or change in control agreements or equity award agreements, vested as of the Closing Date under the Company Benefit Plans; provided, Purchaser may replace such </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-40<br></div></div></div>
<!--End Page 264-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 265-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg47"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Company Benefit Plans with a similar benefit plan of Purchaser. Purchaser hereby acknowledges that a &#8220;change in control&#8221; (or similar phrase) within the meaning of the Company Benefit Plans will occur at the Effective Time. With respect to certain employees, each of whom is named on Section 6.6(g) of the Company Disclosure Schedules, who are party to employment and/or change in control agreements with Company and/or Company Bank that contain change in control benefits, Company shall, prior to the Effective Time, use commercially reasonable efforts to obtain from each individual a settlement agreement upon terms mutually agreeable to Company, Purchaser and such employee, setting forth the method in which his or her rights under such agreement will be settled. Company shall make the payments required under such change in control, settlement or similar agreements.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(h)&#8195;As soon as reasonably practicable following the date of this Agreement, Company and Purchaser shall cooperate and use their commercially reasonable efforts to establish an aggregate retention bonus amount and identify key employees of Company or Purchaser who will be offered a retention bonus prior to the Effective Time upon such terms and conditions as the chief executive officers of Purchaser and Company shall mutually agree.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS67"><!--Anchor--></a>6.7&#8195;<u>Indemnification; Directors' and Officers' Insurance</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;From and after the Effective Time, each of Purchaser and the Surviving Corporation shall indemnify and hold harmless each present and former director, officer or employee of Company and its Subsidiaries (in each case, when acting in such capacity) (collectively, the &#8220;<a name="iIN33"><!--Anchor--></a><u>Company Indemnified Parties</u>&#8221;) against any costs or expenses (including reasonable attorneys' fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the Effective Time, arising out of the fact that such person is or was a director, officer or employee of Company or any of its Subsidiaries and pertaining to matters existing or occurring at or prior to the Effective Time, including the transactions contemplated by this Agreement to the same extent as such persons are indemnified as of the date of this Agreement by Company pursuant to the Company Articles, Company Bylaws, the governing or organizational documents of any Subsidiary of Company and any indemnification agreements in existence as of the date hereof; and Purchaser and the Surviving Corporation shall also advance expenses as incurred by such Company Indemnified Party to the same extent as such persons are entitled to advancement of expenses as of the date of this Agreement by Company pursuant to the Company Articles, Company's Bylaws, the governing or organizational documents of any Subsidiary of Company and any indemnification agreements in existence as of the date hereof; provided, that, if required, the Company Indemnified Party to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Company Indemnified Party is not entitled to indemnification.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;For a period of six (6) years after the Effective Time, the Surviving Corporation shall cause to be maintained in effect the current policies of directors' and officers' liability insurance maintained by Company (provided, that the Surviving Corporation may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions which are no less advantageous to the insured) with respect to claims against the present and former officers and directors of the Company or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time (including the transactions contemplated by this Agreement); provided, however, that the Surviving Corporation shall not be obligated to expend, on an annual basis, an amount in excess of 200% of the current annual premium paid as of the date hereof by Company for such insurance (the &#8220;<a name="iIN101"><!--Anchor--></a><u>Premium </u><u>Cap</u>&#8221;), and if such premiums for such insurance would at any time exceed the Premium Cap, then the Surviving Corporation shall cause to be maintained policies of insurance which, in the Surviving Corporation's good faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing, Company, in consultation with, but only upon the consent of Purchaser, may (and at the request of Purchaser, Company shall use its reasonable best efforts to) obtain at or prior to the Effective Time a six-year &#8220;tail&#8221; policy under Company's existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the Premium Cap. If Company purchases such a &#8220;tail&#8221; policy, the Surviving Corporation shall maintain such &#8220;tail&#8221; policy in full force and effect and continue to honor its obligations thereunder for such six (6) year period.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-41<br></div></div></div>
<!--End Page 265-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 266-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg48"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;The provisions of this Section 6.7 shall survive the Effective Time and are intended to be for the benefit of, and shall be enforceable by, each Company Indemnified Party and his or her heirs and representatives. If the Surviving Corporation or any of its successors or assigns will consolidate with or merge into any other entity and not be the continuing or surviving entity of such consolidation or merger, transfer all or substantially all of its assets or deposits to any other entity or engage in any similar transaction, then in each case, the Surviving Corporation will cause proper provision to be made so that the successors and assigns of the Surviving Corporation will expressly assume the obligations set forth in this Section 6.7.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS68"><!--Anchor--></a>6.8&#8195;<u>Additional Agreements</u>. In case at any time after the Effective Time any further action is necessary or desirable to carry out the purposes of this Agreement (including, without limitation, any merger between a Subsidiary of Purchaser, on the one hand, and a Subsidiary of Company, on the other) or to vest the Surviving Corporation with full title to all properties, assets, rights, approvals, immunities and franchises of any of the parties to the Merger, the proper officers and directors of each party to this Agreement and their respective Subsidiaries shall take all such necessary action as may be reasonably requested by the other party.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS69"><!--Anchor--></a>6.9&#8195;<u>Advice of Changes</u>. Purchaser and Company shall each promptly (but in any event within 24 hours) advise the other party of any change or event (i)&#160;that has had or is reasonably likely to have a Material Adverse Effect on it or (ii)&#160;which it believes would or would be reasonably likely to cause or constitute a material breach of any of its representations, warranties or covenants contained herein or that reasonably could be expected to give rise, individually or in the aggregate, to the failure of a condition in Article VII; provided, that any failure to give notice in accordance with the foregoing with respect to any breach shall not be deemed to constitute a violation of this Section 6.9 or the failure of any condition set forth in Section 7.2 or 7.3 to be satisfied, or otherwise constitute a breach of this Agreement by the party failing to give such notice, in each case unless the underlying breach would independently result in a failure of the conditions set forth in Section 7.2 or 7.3 to be satisfied.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS610"><!--Anchor--></a>6.10&#8195;<u>Dividends</u>. After the date of this Agreement, each of Purchaser and Company shall coordinate with the other regarding declaration of any dividends in respect of Purchaser Common Stock and Company Common Stock and the record dates and payment dates relating thereto, it being the intention of the parties hereto that holders of Company Common Stock shall not receive two dividends, or fail to receive one dividend, in any quarter with respect to their shares of Company Common Stock and any shares of Purchaser Common Stock any such holder receives in exchange therefor in the Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS611"><!--Anchor--></a>6.11&#8195;<u>[Reserved</u>.]</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS612"><!--Anchor--></a>6.12&#8195;<u>Acquisition Proposals</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;Company agrees that it will not, and will cause its Subsidiaries and its and their officers, directors, agents, advisors and representatives (collectively, &#8220;<a name="iIN126"><!--Anchor--></a><u>Representatives</u>&#8221;) not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate inquiries or proposals with respect to, (ii)&#160;engage or participate in any negotiations with any person concerning, or (iii)&#160;provide any confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to, any Acquisition Proposal, except to notify such person of the existence of the provisions of this Section 6.12(a); provided, that, prior to the approval of this Agreement by the shareholders of Company by the Requisite Company Vote, in the event Company receives an unsolicited bona fide written Acquisition Proposal, it may, and may permit its Subsidiaries and its and its Subsidiaries' Representatives to, furnish or cause to be furnished nonpublic information or data and participate in such negotiations or discussions to the extent that its Board of Directors concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisors) that failure to take such actions would be reasonably likely to result in a violation of its fiduciary duties under applicable law; provided, further, that, prior to providing any nonpublic information permitted to be provided pursuant to the foregoing proviso, Company shall have entered into a confidentiality agreement with such third party on terms no less favorable to it than the Confidentiality Agreement and which is expressly assignable to Purchaser, which confidentiality agreement shall not provide such person with any exclusive right to negotiate with Company. Company will, and will cause its Representatives to, immediately cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any person other than Purchaser with respect to any Acquisition Proposal. Company will promptly (within twenty-four (24) hours) advise Purchaser </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-42<br></div></div></div>
<!--End Page 266-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 267-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg49"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">following receipt of any Acquisition Proposal or any inquiry which could reasonably be expected to lead to an Acquisition Proposal, and the substance thereof (including the terms and conditions of and the identity of the person making such inquiry or Acquisition Proposal and a copy thereof if in writing and any related documentation or correspondence), and will keep Purchaser apprised of any related developments, discussions and negotiations on a current basis, including any amendments to or revisions of the terms of such inquiry or Acquisition Proposal. Company shall use its reasonable best efforts to enforce any existing confidentiality or standstill agreements to which it or any of its Subsidiaries is a party in accordance with the terms thereof. As used in this Agreement, &#8220;<a name="iIN1"><!--Anchor--></a><u>Acquisition Proposal</u>&#8221; shall mean, other than the transactions contemplated by this Agreement, any offer, proposal or inquiry relating to, or any third party indication of interest in, (i)&#160;any acquisition or purchase, direct or indirect, of 25% or more of the consolidated assets of Company and its Subsidiaries or 25% or more of any class of equity or voting securities of Company or its Subsidiaries whose assets, individually or in the aggregate, constitute more than 25% of the consolidated assets of Company, (ii)&#160;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result in such third party beneficially owning 25% or more of any class of equity or voting securities of Company or its Subsidiaries whose assets, individually or in the aggregate, constitute more than 25% of the consolidated assets of Company, or (iii)&#160;a merger, consolidation, share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving Company or its Subsidiaries whose assets, individually or in the aggregate, constitute more than 25% of the consolidated assets of Company.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Nothing contained in this Agreement shall prevent Company or its board of directors from making any legally required disclosure to its shareholders.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS613"><!--Anchor--></a>6.13&#8195;<u>Public Announcements</u>. Company and Purchaser shall each use its reasonable best efforts to develop a joint communications plan, to ensure that all press releases and other public statements with respect to the transactions contemplated hereby shall be consistent with such joint communications plan, and except in respect of any announcement required by applicable law, or by obligations pursuant to any listing agreement with or rules of any securities exchange, to consult with each other before issuing any press release or, to the extent practical, otherwise making any public statement with respect to this Agreement or the transactions contemplated hereby. The parties hereto agree that any initial press release to be issued with respect to the transactions contemplated hereby shall be in mutually agreed form.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS614"><!--Anchor--></a>6.14&#8195;<u>Change of Method</u>. Company and Purchaser shall be empowered, upon their mutual agreement, at any time prior to the Effective Time, to change the method or structure of effecting the combination of Company and Purchaser (including the provisions of Article I), if and to the extent they both deem such change to be necessary, appropriate or desirable; provided, however, that no such change shall (i)&#160;alter or change the Exchange Ratio or the number of shares of Purchaser Common Stock received by Company shareholders in exchange for each share of Company Common Stock, (ii)&#160;adversely affect the Tax treatment of Company's shareholders or Purchaser's shareholders pursuant to this Agreement, (iii)&#160;adversely affect the Tax treatment of Company or Purchaser pursuant to this Agreement or (iv)&#160;materially impede or delay the consummation of the transactions contemplated by this Agreement in a timely manner. The parties agree to reflect any such change in an appropriate amendment to this Agreement executed by both parties in accordance with Section 8.3.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS615"><!--Anchor--></a>6.15&#8195;<u>Restructuring Efforts</u>. If either Purchaser or Company shall have failed to obtain the Requisite Purchaser Vote or the Requisite Company Vote at the duly convened Purchaser Meeting or Company Meeting, as applicable, or any adjournment or postponement thereof, each of the parties shall in good faith use its reasonable best efforts to negotiate a restructuring of the transaction provided for herein (it being understood that neither party shall have any obligation to alter or change any material terms, including without limitation the amount or kind of the consideration to be issued to holders of the capital stock of Company as provided for in this Agreement, in a manner adverse to such party or its shareholders) and/or resubmit this Agreement or the transactions contemplated hereby (or as restructured pursuant to this Section 6.15) to Purchaser or Company shareholders, as applicable, for approval.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS616"><!--Anchor--></a>6.16&#8195;<u>Takeover Statutes</u>. None of Company, Purchaser or their respective Boards of Directors shall take any action that would cause any Takeover Statute to become applicable to this Agreement, the Merger, or any of the other transactions contemplated hereby, and each shall take all necessary steps to exempt (or ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover Statute now or hereafter in effect. If any Takeover Statute may become, or may purport to be, </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-43<br></div></div></div>
<!--End Page 267-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 268-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg50"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">applicable to the transactions contemplated hereby, each party and the members of their respective Boards of Directors will grant such approvals and take such actions as are necessary so that the transactions contemplated by this Agreement may be consummated as promptly as practicable on the terms contemplated hereby and thereby and otherwise act to eliminate or minimize the effects of any Takeover Statute on any of the transactions contemplated by this Agreement, including, if necessary, challenging the validity or applicability of any such Takeover Statute.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS617"><!--Anchor--></a>6.17&#8195;<u>Exemption from Liability Under Section 16(b</u>). Company and Purchaser agree that, in order to most effectively compensate and retain Company Insiders (as defined below), both prior to and after the Effective Time, it is desirable that those officers and directors of Company subject to, or become subject to, the reporting <a name="iIN34"><!--Anchor--></a>requirements of Section 16(a) of the Exchange Act (the &#8220;<u>Company Insiders</u>&#8221;), not be subject to a risk of liability under Section 16(b) of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion of shares of Company Common Stock and Company Equity Awards in the Merger, and for that compensatory and retentive purpose agree to the provisions of this Section 6.17. The Board of Directors of Purchaser and of Company, or a committee of non-employee directors thereof (as such term is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall, prior to the Effective Time, take all such steps as may be required to cause (in the case of Company) any dispositions of Company Common Stock or Company Equity Awards by the Company Insiders, and (in the case of Purchaser) any acquisitions of Purchaser Common Stock by any Company Insiders who, immediately following the Merger, will be officers or directors of the Surviving Corporation subject to the reporting requirements of Section 16(a) of the Exchange Act, in each case pursuant to the transactions contemplated by this Agreement, to be exempt from liability pursuant to Rule 16b-3 under the Exchange Act to the fullest extent permitted by applicable law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS618"><!--Anchor--></a>6.18&#8195;<u>[Reserved]</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS619"><!--Anchor--></a>6.19&#8195;<u>Assumption of Company Debt</u>. Upon the Effective Time (or at the effective time of the Bank Merger for any debt of Company Bank), Purchaser, or Purchaser Bank, as applicable, shall assume the due and punctual performance and observance of the covenants and other obligations to be performed by Company or Company Bank, as applicable, under the definitive documents governing the indebtedness and other instruments related thereto set forth on Section 6.19 of the Company Disclosure Schedule, including the due and punctual payment of the principal of (and premium, if any) and interest thereon, to the extent required and permitted thereby. In connection therewith, (i)&#160;Purchaser shall, and shall cause Purchaser Bank to, cooperate and use reasonable best efforts to execute and deliver any supplemental indentures, if applicable, and (ii)&#160;Company shall, and shall cause Company Bank to, cooperate and use reasonable best efforts to execute and deliver any supplemental indentures, officer's certificates or other documents and provide any opinions of counsel to the trustee thereof, in each case, required to make such assumption effective as of the Effective Time, or the effective time of the Bank Merger, as applicable.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS620"><!--Anchor--></a>6.20&#8195;<u>Bank Merger</u>. Prior to the Effective Time, Company shall use its reasonable best efforts to cooperate with Purchaser, including by causing Company Bank to execute, if requested by Purchaser, such certificates or articles of merger and such other documents and certificates as are necessary, to effect, immediately following the Effective Time or at such later time as Purchaser may determine, the Bank Merger pursuant to the Bank Merger Agreement. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS621"><!--Anchor--></a>6.21&#8195;<u>Additional Covenants</u>. Company shall have complied in all respects with the requirements set forth on Section 6.21 of the Company Disclosure Schedule. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS622"><!--Anchor--></a>6.22&#8195;<u>Employment Agreements</u>. Concurrently with the execution and delivery of this Agreement, Company agrees to cause each person set forth on Section 6.22 of the Purchaser Disclosure Schedule to execute and deliver an employment agreement with Purchaser or an affiliate thereof, in a form reasonably satisfactory to Purchaser, which employment agreements shall each be effective upon the Closing and shall not have been revoked or otherwise terminated. </div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20pt; text-align: center;"><a name="tANXAA7"><!--Anchor--></a>ARTICLE VII<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">CONDITIONS PRECEDENT</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS71"><!--Anchor--></a>7.1&#8195;<u>Conditions to Each Party's Obligation to Effect the Merger</u>. The respective obligations of the parties to effect the Merger shall be subject to the satisfaction at or prior to the Effective Time of the following conditions:</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-44<br></div></div></div>
<!--End Page 268-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 269-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg51"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;<u>Shareholder Approval</u>. (i)&#160;This Agreement shall have been approved by the shareholders of Company by the Requisite Company Vote and (ii)&#160;this Agreement shall have been approved by the shareholders of Purchaser by the Requisite Purchaser Vote.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;<u>NASDAQ Listing</u>. The shares of Purchaser Common Stock that shall be issuable pursuant to this Agreement shall have been authorized for listing on NASDAQ, subject to official notice of issuance.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;<u>Regulatory Approvals</u>. All Requisite Regulatory Approvals shall have been obtained and shall remain in full force and effect and all statutory waiting periods in respect thereof shall have expired, and no such Requisite Regulatory Approval shall have resulted in the imposition of any Materially Burdensome Regulatory Condition.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;<u>S-4</u>. The S-4 shall have become effective under the Securities Act and no stop order suspending the effectiveness of the S-4 shall have been issued and no proceedings for that purpose shall have been initiated or threatened by the SEC and not withdrawn.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;<u>No Injunctions or Restraints; Illegality</u>. No order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the Merger or any of the other transactions contemplated by this Agreement shall be in effect. No statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Entity which prohibits or makes illegal consummation of the Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS72"><!--Anchor--></a>7.2&#8195;<u>Conditions to Obligations of Purchaser</u>. The obligation of Purchaser to effect the Merger is also subject to the satisfaction, or waiver by Purchaser, at or prior to the Effective Time, of the following conditions:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;<u>Representations and Warranties</u>. The representations and warranties of Company set forth in Section 3.2(a) and Section 3.8(a) (in each case after giving effect to the lead in to Article III) shall be true and correct (other than, in the case of Section 3.2(a), such failures to be true and correct as are de minimis) in each case as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, and the representations and warranties of Company set forth in Sections 3.1(a), 3.1(b), 3.2(b), 3.3(a) and 3.7&#160;(in&#160;each case, after giving effect to the lead in to Article III) shall be true and correct in all material respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date. All other representations and warranties of Company set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead in to Article III) shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; provided, however, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on Company or the Surviving Corporation. Purchaser shall have received a certificate signed on behalf of Company by the Chief Executive Officer and the Chief Financial Officer of Company to the foregoing effect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;<u>Performance of Obligations of Company</u>. Company shall have performed in all material respects the obligations required to be performed by it under this Agreement at or prior to the Closing Date, including, for the avoidance of doubt, compliance with requirements set forth in Section 6.21, and Purchaser shall have received a certificate signed on behalf of Company by the Chief Executive Officer and the Chief Financial Officer of Company to such effect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;<u>Federal Tax Opinion</u>. Purchaser shall have received the opinion of Squire Patton Boggs (US) LLP, in form and substance reasonably satisfactory to Purchaser, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. In rendering such opinion, counsel may require and rely upon representations contained in certificates of officers of Purchaser and Company, reasonably satisfactory in form and substance to such counsel.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-45<br></div></div></div>
<!--End Page 269-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 270-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg52"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;<u>Employment Agreements</u>. Each person listed on Section 6.22 of the Purchaser Disclosure Schedule shall have executed and delivered prior to or concurrent with execution of this Agreement, an employment agreement in a form reasonably satisfactory to Purchaser, which employment agreements shall each be effective upon the Closing and shall not have been revoked or otherwise terminated. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;<u>Appraisal Rights</u>. Immediately prior to the Closing, not more than ten (10%) of Company Common Stock shall be held by persons who either have exercised, or are then entitled to exercise, appraisal rights under the NCBCA.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS73"><!--Anchor--></a>7.3&#8195;<u>Conditions to Obligations of Company</u>. The obligation of Company to effect the Merger is also subject to the satisfaction or waiver by Company at or prior to the Effective Time of the following conditions:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;<u>Representations and Warranties</u>. The representations and warranties of Purchaser set forth in Section 4.2(a), the last sentence of 4.3(a) and Section 4.8 (in each case, after giving effect to the lead in to Article IV) shall be true and correct (other than, in the case of Section 4.2(a), such failures to be true and correct as are de minimis) in each case as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, and the representations and warranties of Purchaser set forth in Sections 4.1(a), 4.1(b), 4.2(b), 4.3(a) (other than the last sentence of Section 4.3(a)) and 4.7 (in each case, after giving effect to the lead in to Article IV) shall be true and correct in all material respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date. All other representations and warranties of Purchaser set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead in to Article IV) shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, provided, however, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on Purchaser or the Surviving Corporation. Company shall have received a certificate signed on behalf of Purchaser by the Chief Executive Officer and the Chief Financial Officer of Purchaser to the foregoing effect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;<u>Performance of Obligations of Purchaser</u>. Purchaser shall have performed in all material respects the obligations required to be performed by it under this Agreement at or prior to the Closing Date, and Company shall have received a certificate signed on behalf of Purchaser by the Chief Executive Officer and the Chief Financial Officer of Purchaser to such effect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;<u>Federal Tax Opinion</u>. Company shall have received the opinion of Wyrick Robbins Yates &amp; Ponton LLP, in form and substance reasonably satisfactory to Company, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code. In rendering such opinion, counsel may require and rely upon representations contained in certificates of officers of Purchaser and Company, reasonably satisfactory in form and substance to such counsel.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 15pt; text-align: center;"><a name="tANXAA8"><!--Anchor--></a>ARTICLE VIII<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">TERMINATION AND AMENDMENT</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS81"><!--Anchor--></a>8.1&#8195;<u>Termination</u>. This Agreement may be terminated at any time prior to the Effective Time, whether before or after approval of this Agreement by the shareholders of Purchaser or Company:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;by mutual consent of Purchaser and Company in a written instrument signed by each of Company and Purchaser;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;by either Purchaser or Company if any Governmental Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger or the other transactions contemplated hereby and such denial has become final and nonappealable or any Governmental Entity of competent jurisdiction shall have issued a final nonappealable order permanently enjoining or otherwise prohibiting or making illegal the </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-46<br></div></div></div>
<!--End Page 270-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 271-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg53"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">consummation of the transactions contemplated by this Agreement, unless the failure to obtain a Requisite Regulatory Approval shall be due to the failure of the party seeking to terminate this Agreement to perform or observe the covenants and agreements of such party set forth herein;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;by either Purchaser or Company if the Merger shall not have been consummated on or before <a name="iIN142"><!--Anchor--></a>August&#160;1, 2023 (the &#8220;<u>Termination Date</u>&#8221;), unless the failure of the Closing to occur by such date shall be due to the failure of the party seeking to terminate this Agreement to perform or observe the covenants and agreements of such party set forth herein;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;by either Purchaser or Company (provided, that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained herein) if there shall have been a breach of any of the covenants or agreements or any of the representations or warranties (or any such representation or warranty shall cease to be true) set forth in this Agreement on the part of Company, in the case of a termination by Purchaser, or Purchaser, in the case of a termination by Company, which breach or failure to be true, either individually or in the aggregate with all other breaches by such party (or&#160;failures of such representations or warranties to be true), would constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in Section 7.2, in the case of a termination by Purchaser, or 7.3, in the case of a termination by Company, and which is not cured within forty-five&#160;(45)&#160;calendar days following written notice to Company, in the case of a termination by Purchaser, or Purchaser, in the case of a termination by Company, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the Termination Date); </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(e)&#8195;by Purchaser, if prior to such time as the Requisite Company Vote is obtained, (i)&#160;the Company or the Board of Directors of the Company (A) submits this Agreement to its shareholders without a recommendation for approval, or otherwise withdraws, qualifies or materially and adversely modifies (or&#160;publicly discloses its intention to withdraw, qualify or materially and adversely modify) its recommendation as contemplated by Section 6.3, or approves or recommends to its shareholders an Acquisition Proposal other than the Merger, (B) fails to publicly recommend against a publicly announced Acquisition Proposal within five (5) business days of being requested to do so by Purchaser or fails to publicly reconfirm the recommendation as contemplated by Section 6.3 in favor of the Merger within five&#160;(5) business days of being requested to do so by Purchaser or (C) shall have breached its obligations under Section 6.3 or Section 6.12 in any material respect; or (ii)&#160;a tender offer or exchange offer for 25% or more of the outstanding shares of Company Common Stock is commenced (other than by Purchaser or a Subsidiary thereof), and the Board of Directors of the Company recommends that the shareholders of the Company tender their shares in such tender or exchange offer or otherwise fails to recommend that such shareholders reject such tender offer or exchange offer within ten (10) business days (or such fewer number of days as remains prior to the Company Meeting) after the commencement of such tender or exchange offer; or</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(f)&#8195;by Company, if prior to such time as the Requisite Purchaser Vote is obtained, the Purchaser or the Board of Directors of the Purchaser (A) submits this Agreement to its shareholders without a recommendation for approval, or otherwise withdraws or materially and adversely modifies (or publicly discloses its intention to withdraw or materially and adversely modify) its recommendation as contemplated by Section 6.3, or (B) shall have breached its obligations under Section 6.3 in any material respect; </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(g)&#8195;(A) by Purchaser, or by Company provided that Company shall not be in material breach of any of its obligations under Section 6.3, if the Requisite Company Vote shall not have been obtained by reason of the failure to obtain the Requisite Company Vote at the Company Meeting or at any adjournment or postponement thereof or (B) by Company, or by Purchaser provided that Purchaser shall not be in material breach of any of its obligations under Section 6.3, if the Requisite Purchaser Vote shall not have been obtained by reason of the failure to obtain the Requisite Purchaser Vote at the Purchaser Meeting or at any adjournment or postponement thereof; or</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(h)&#8195;by Company, if the Company Board of Directors so determines by a vote of the majority of the members of the entire Company board, at any time during the five-day period commencing with the Determination Date, if both of the following conditions in (i)&#160;and (ii)&#160;are satisfied:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(i)&#8195;the Purchaser Market Value is less than 82.5% of the Initial Purchaser Market Value; and</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-47<br></div></div></div>
<!--End Page 271-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 272-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg54"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(ii)&#8195;the number obtained by dividing the Purchaser Market Value by the Initial Purchaser Market <a name="iIN115"><!--Anchor--></a>Value (&#8220;<u>Purchaser Ratio</u>&#8221;) shall be less than the number obtained by dividing the Final Index Price by <a name="iIN70"><!--Anchor--></a>the Initial Index Price and subtracting 0.175 from such quotient (the &#8220;<u>Index Ratio</u>&#8221;). </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(iii)&#8195;For purposes of this Section 8.1(h), the following terms shall have the meanings indicated:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN51"><!--Anchor--></a>(A)&#8195;&#8220;<u>Determination Date</u>&#8221; shall mean the date on which the last Requisite Regulatory Approval required to permit the consummation of the transactions contemplated by this Agreement is received without regard to a requisite waiting period.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN62"><!--Anchor--></a>(B)&#8195;&#8220;<u>Final Index Price</u>&#8221; shall mean the average of the Index Prices for the 20 consecutive full trading days ending on the trading day prior to the Determination Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN68"><!--Anchor--></a>(C)&#8195;&#8220;<u>Index Group</u>&#8221; shall mean the NASDAQ Bank Index (BANK).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN69"><!--Anchor--></a>(D)&#8195;&#8220;<u>Index Price</u>&#8221; shall mean the closing price on such date of the Index Group.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN71"><!--Anchor--></a>(E)&#8195;&#8220;<u>Initial Index Price</u>&#8221; shall mean the average of the Index Prices for the 20 consecutive full trading days ending on the Starting Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN72"><!--Anchor--></a>(F)&#8195;&#8220;<u>Initial Purchaser Market Value</u>&#8221; shall mean the average of the per share closing prices of a share of Purchaser Common Stock on NASDAQ (as reported in The Wall Street Journal, or if not reported therein, in another authoritative source) during the twenty (20) consecutive full trading days ending on the Starting Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN112"><!--Anchor--></a>(G)&#8195;&#8220;<u>Purchaser Market Value</u>&#8221; means the average of the per share closing prices of a share of Purchaser Common Stock on NASDAQ (as reported in The Wall Street Journal, or if not reported therein, in another authoritative source) during the 20 consecutive full trading days ending on the trading day prior to the Determination Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;"><a name="iIN135"><!--Anchor--></a>(H)&#8195;&#8220;<u>Starting Date</u>&#8221; shall mean the last trading day immediately preceding the date of the first public announcement of entry into this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(iv)&#8195;For purposes of this Section 8.1(h), if Purchaser or any company belonging to the Index Group declares or effects a stock dividend, reclassification, recapitalization, split-up, combination, exchange of shares or similar transaction between the Starting Date and the Determination Date, the prices for the common stock of such company shall be appropriately adjusted for the purposes of applying this Section 8.1(h).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">If Company elects to exercise its termination right pursuant to this Section 8.1(h), it shall give written notice <a name="iIN93"><!--Anchor--></a>to Purchaser (the &#8220;<u>Notice of Termination</u>&#8221;). This Agreement shall terminate at the end of the fifth (5th) day <a name="iIN143"><!--Anchor--></a>following the date the Notice of Termination was received by Purchaser (the &#8220;<u>Termination Effective Time</u>&#8221;); provided, however, that Company's Notice of Termination may be withdrawn by Company at any time prior to the Termination Effective Time; and provided, further, that during the five-day period commencing with its receipt of the Notice of Termination, Purchaser shall have the option (but not the obligation) to increase the consideration to be received by the holders of Company Common Stock hereunder, by, at Purchaser's option, <a name="iIN3"><!--Anchor--></a>(x)&#160;increasing the Exchange Ratio (the &#8220;<u>Adjusted Exchange Ratio</u>&#8221;) (calculated to the nearest one one-thousandth) to equal the lesser of (1) a number (rounded to the nearest one one-thousandth) obtained by dividing (I) the product of the Initial Purchaser Market Value, 0.825 and the Exchange Ratio (as then in effect) by (II) the Purchaser Market Value; and (2) a number (rounded to the nearest one one-thousandth) obtained by dividing (I) the product of the Index Ratio and the Exchange Ratio (as then in effect) by (II) the Purchaser Ratio; or (y) filling the difference between the Adjusted Exchange Ratio and the Exchange Ratio in cash by multiplying the Purchaser Market Value by the difference in the Adjusted Exchange Ratio and the Exchange Ratio <a name="iIN2"><!--Anchor--></a>(the &#8220;<u>Additional Cash Payment</u>&#8221;). </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">If Purchaser so elects within such five-day period, it shall give prompt written notice to Company (and in any event, prior to the Termination Effective Time) of such election and the revised Exchange Ratio or, as applicable, the Additional Cash Payment, whereupon no termination shall have occurred pursuant to this </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-48<br></div></div></div>
<!--End Page 272-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 273-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg55"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Section&#160;8.1(h) and this Agreement shall remain in effect in accordance with its terms (provided that, any references in this Agreement to the Exchange Ratio shall thereafter be deemed to refer to the Adjusted Exchange Ratio, if applicable, and the Merger Consideration payable under Section 1.4 shall thereafter include, to the extent applicable, the Additional Cash Payment).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">The party desiring to terminate this Agreement pursuant to clause (b), through (h) of this Section 8.1 shall give written notice of such termination to the other party in accordance with Section 9.4, specifying the provision or provisions hereof pursuant to which such termination is effected.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS82"><!--Anchor--></a>8.2&#8195;<u>Effect of Termination</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;In the event of termination of this Agreement by either Purchaser or Company as provided in Section 8.1, this Agreement shall forthwith become void and have no effect, and none of Purchaser, Company, any of their respective Subsidiaries or any of the officers, directors, employees, shareholders, agents or representatives of any of them shall have any liability of any nature whatsoever hereunder, or in connection with the transactions contemplated hereby, except that (i)&#160;Sections 6.2(b) and this Section 8.2 and Article IX (other than Section 9.1) shall survive any termination of this Agreement, and (ii)&#160;notwithstanding anything to the contrary contained in this Agreement, neither Purchaser nor Company shall be relieved or released from any liabilities or damages arising out of its fraud or willful and material breach of any provision of this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(i)&#8195;In the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide Acquisition Proposal shall have been made known to the Board of Directors or senior management of Company or has been made directly to its shareholders generally or any person shall have publicly announced (and not withdrawn) an Acquisition Proposal with respect to Company and (A) (x)&#160;thereafter this Agreement is terminated by either Purchaser or Company pursuant to Section&#160;8.1(c) and Company shall have failed to obtain the Requisite Company Vote or (y) thereafter this Agreement is terminated by Purchaser pursuant to Section 8.1(d) or Section 8.1(g)(A) and (B) prior to the date that is twelve (12) months after the date of such termination, Company enters into a definitive agreement or consummates a transaction with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that referred to above), then Company shall, on the earlier of the date it enters into such definitive agreement and the date of consummation of such transaction, pay <a name="iIN144"><!--Anchor--></a>Purchaser, by wire transfer of same day funds, a fee equal to $3,900,000 (the &#8220;<u>Termination Fee</u>&#8221;); provided, that for purposes of this Section 8.2(b), all references in the definition of Acquisition Proposal to &#8220;25%&#8221; shall instead refer to &#8220;50%&#8221;.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">(ii)&#8195;In the event that this Agreement is terminated by Purchaser pursuant to Section 8.1(e), then Company shall pay Purchaser, by wire transfer of same day funds, the Termination Fee on the date of termination.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(c)&#8195;Notwithstanding anything to the contrary herein, but without limiting the right of any party to recover liabilities or damages arising out of the other party's willful and material breach of any provision of this Agreement, in the event that this Agreement is terminated as provided in Section 8.1, the maximum aggregate amount of monetary fees, liabilities or damages payable by Company under this Agreement shall be equal to the Termination Fee.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(d)&#8195;Each of Purchaser and Company acknowledges that the agreements contained in this Section 8.2 are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement; accordingly, if Company fails promptly to pay the amount due pursuant to this Section 8.2, and, in order to obtain such payment, Purchaser commences a suit which results in a judgment against Company for the Termination Fee, Company shall pay the costs and expenses of Purchaser (including attorneys' fees and expenses) in connection with such suit. In addition, if Company fails to pay the amounts payable pursuant to this Section 8.2, then Company shall pay interest on such overdue amounts at a rate per annum equal to the &#8220;prime rate&#8221; published in THE WALL STREET </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-49<br></div></div></div>
<!--End Page 273-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 274-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg56"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">JOURNAL on the date on which such payment was required to be made for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the date that such overdue amount is actually paid in full. The amounts payable by the Company pursuant to Section 8.2(b) constitute liquidated damages and not a penalty.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS83"><!--Anchor--></a>8.3&#8195;<u>Amendment</u>. Subject to compliance with applicable law, this Agreement may be amended by the parties hereto, by action taken or authorized by their respective Boards of Directors, at any time before or after approval of the matters presented in connection with Merger by the shareholders of Purchaser or Company; provided, however, that after approval of this Agreement by the respective shareholders of Company, there may not be, without further approval of such shareholders, any amendment of this Agreement that requires further approval under applicable law. This Agreement may not be amended except by an instrument in writing signed on behalf of each of the parties hereto.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS84"><!--Anchor--></a>8.4&#8195;<u>Extension; Waiver</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">At any time prior to the Effective Time, the parties hereto, by action taken or authorized by their respective Boards of Directors, may, to the extent legally allowed, extend the time for the performance of any of the obligations or other acts of the other parties hereto, waive any inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto, and waive compliance with any of the agreements or satisfaction of any conditions contained herein; provided, however, that after approval of this Agreement by the shareholders of Purchaser or Company, there may not be, without further approval of the shareholders of Purchaser or Company, as applicable, any extension or waiver of this Agreement or any portion thereof that requires further approval under applicable law. Any agreement on the part of a party hereto to any such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with respect to, any subsequent or other failure.</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; text-align: center;"><a name="tANXAA9"><!--Anchor--></a>ARTICLE IX<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">GENERAL PROVISIONS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS91"><!--Anchor--></a>9.1&#8195;<u>Closing</u>. Subject to the terms and conditions of this Agreement, the closing of the Merger <a name="iIN19"><!--Anchor--></a>(the&#160;&#8220;<u>Closing</u>&#8221;) will take place by electronic exchange of documents, on a date which shall be no later than three (3)&#160;business days after the satisfaction or waiver (subject to applicable law) of the latest to occur of the conditions set forth in Article VII hereof (other than those conditions that by their nature can only be satisfied at the Closing, but subject to the satisfaction or waiver thereof), or such other date or time mutually agreed in <a name="iIN20"><!--Anchor--></a>writing by the parties (the &#8220;<u>Closing Date</u>&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS92"><!--Anchor--></a>9.2&#8195;<u>Nonsurvival of Representations, Warranties and Agreements</u>. None of the representations, warranties, covenants and agreements in this Agreement or in any instrument delivered pursuant to this Agreement (other&#160;than the Confidentiality Agreement, which shall survive in accordance with its terms) shall survive the Effective Time, except for Sections 6.6 and 6.7 and for those other covenants and agreements contained herein and therein which by their terms apply in whole or in part after the Effective Time.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS93"><!--Anchor--></a>9.3&#8195;<u>Expenses</u>. All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring such expense; provided, however, that the costs and expenses of printing and mailing the Proxy Statement in connection with the Merger shall be borne equally by Purchaser and Company.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-50<br></div></div></div>
<!--End Page 274-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 275-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg57"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS94"><!--Anchor--></a>9.4&#8195;<u>Notices</u>. All notices and other communications hereunder shall be in writing and shall be deemed duly given (a) on the date of delivery if delivered personally, or if by facsimile, upon confirmation of receipt, or if by email so long as such email states it is a notice delivered pursuant to this Section 9.4 and a duplicate copy of such email is promptly given by one of the other methods described in this Section 9.4, (b) on the first business day following the date of dispatch if delivered utilizing a next-day service by a recognized next-day courier or (c) on the earlier of confirmed receipt or the fifth (5th) business day following the date of mailing if delivered by registered or certified mail, return receipt requested, postage prepaid. All notices hereunder shall be delivered to the addresses set forth below, or pursuant to such other instructions as may be designated in writing by the party to receive such notice:</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">(a)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td colspan="7" style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">if to Company, to:</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc.</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">8450 Falls of Neuse Road</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Suite 202</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Raleigh, NC 27615</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attention:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Eric J. Bergevin</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="7" style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">With a required copy (which shall not constitute notice) to<font style="font-style: normal;">:</font></div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Wyrick Robbins Yates &amp; Ponton LLP</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">4101 Lake Boone Trail</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Suite 300</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Raleigh, NC 27607</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attention:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Stuart M. Rigot; Todd H. Eveson </div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="7" style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">and</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">(b)</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="7" style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">if to Purchaser, to:</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB Financial Corp.</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">301 Virginia Avenue</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fairmont, West Virginia 26554</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attention:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Donald T. Robinson</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 69.23%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="7" style="width: 87.18%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">With a required copy (which shall not constitute notice) to:</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 10.26%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Squire Patton Boggs (US) LLP</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">201 E. Fourth St., Suite 1900</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cincinnati, Ohio 45202</div></td></tr><tr><td style="width: 5.13%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attention: James J. Barresi</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS95"><!--Anchor--></a>9.5&#8195;<u>Interpretation</u>. The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings or section captions contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be followed by the words &#8220;without limitation.&#8221; References to &#8220;the date hereof&#8221; shall mean the date of this Agreement. As used in this Agreement, the &#8220;knowledge&#8221; of Company means the actual knowledge after due inquiry of any of the officers of Company listed on Section 9.5 of the Company <a name="iIN76"><!--Anchor--></a>Disclosure Schedule, and the &#8220;knowledge&#8221; of Purchaser means the actual knowledge after due inquiry of any of the officers of Purchaser listed on Section 9.5 of the Purchaser Disclosure Schedule. As used herein, <a name="iIN12"><!--Anchor--></a>(i)&#160;&#8220;business day&#8221; means any day other than a Saturday, a Sunday or a day on which banks in West Virginia are <a name="iIN100"><!--Anchor--></a>authorized by law or executive order to be closed, (ii)&#160;the term &#8220;person&#8221; means any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture, estate, trust, <a name="iIN4"><!--Anchor--></a>association, organization, Governmental Entity or other entity of any kind or nature, (iii)&#160;an &#8220;affiliate&#8221; of a specified person is any person that directly or indirectly controls, is controlled by, or is under common control <a name="iIN80"><!--Anchor--></a>with, such specified person, (iv)&#160;the term &#8220;made available&#8221; means any document or other information that was </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-51<br></div></div></div>
<!--End Page 275-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 276-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg58"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">(a) provided by one party or its representatives to the other party and its representatives prior to the date hereof, (b) included in the virtual data room of a party prior to the date hereof or (c) filed by a party with the SEC or OTC Markets and publicly available on EDGAR or other applicable system for OTC Markets filings prior to the date hereof, (v)&#160;the &#8220;transactions contemplated hereby&#8221; and &#8220;transactions contemplated by this Agreement&#8221; shall include the Merger and the Bank Merger and (vi) &#8220;ordinary course&#8221; and &#8220;ordinary course of business&#8221; with respect to either party shall take into account the commercially reasonable actions taken by such party and its Subsidiaries in response to the Pandemic and the Pandemic Measures. The Company Disclosure Schedule and the Purchaser Disclosure Schedule, as well as all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement. All references to &#8220;dollars&#8221; or &#8220;$&#8221; in this Agreement are to United States dollars. Any reference contained in this Agreement to specific statutory or regulatory provisions or to specific Governmental Entities includes any successor statute or regulation, or Governmental Entity, as the case may be. When used in this Agreement, words such as &#8220;herein&#8221;, &#8220;hereinafter&#8221;, &#8220;hereof&#8221;, &#8220;hereto&#8221;, and &#8220;hereunder&#8221; refer to this Agreement as a whole, unless the context clearly requires otherwise. Unless the context clearly indicates otherwise, the masculine, feminine, and neuter genders will be deemed to be interchangeable.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS96"><!--Anchor--></a>9.6&#8195;<u>Counterparts</u>. This Agreement may be executed in counterparts, all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties, it being understood that all parties need not sign the same counterpart.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS97"><!--Anchor--></a>9.7&#8195;<u>Entire Agreement</u>. This Agreement (including the Purchaser Disclosure Schedules, the Company Disclosure Schedules and the documents and the instruments referred to herein) together with the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among the parties with respect to the subject matter hereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS98"><!--Anchor--></a>9.8&#8195;<u>Governing Law; Jurisdiction</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(a)&#8195;This Agreement shall be governed and construed in accordance with the laws of the State of Delaware, without regard to any applicable conflicts of law (whether of the State of Delaware or any other jurisdiction).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">(b)&#8195;Each party agrees that it will bring any action or proceeding in respect of any claim arising under or related to this Agreement or the transactions contemplated hereby exclusively in Delaware Court of Chancery and any state appellate court therefrom within the State of Delaware, or, if the Delaware Court of Chancery declines to accept jurisdiction over a particular matter, any federal or state court of competent <a name="iIN17"><!--Anchor--></a>jurisdiction located in the State of Delaware (the &#8220;<u>Chosen Courts</u>&#8221;), and, solely in connection with claims arising under or related to this Agreement or the transactions contemplated hereby, (i)&#160;irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#160;waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii)&#160;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iv)&#160;agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with Section 9.4.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS99"><!--Anchor--></a>9.9&#8195;<u>Waiver of Jury Trial</u>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY DIRECTLY OR INDIRECTLY ARISE UNDER OR RELATE TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#160;EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 9.9.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-52<br></div></div></div>
<!--End Page 276-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 277-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg59"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS910"><!--Anchor--></a>9.10&#8195;<u>Assignment; Third Party Beneficiaries</u>. Neither this Agreement nor any of the rights, interests or obligations shall be assigned by any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other party. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and permitted assigns. Except as otherwise specifically provided in Section 6.7, this Agreement (including the documents and instruments referred to herein) is not intended to confer upon any person other than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth herein. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS911"><!--Anchor--></a>9.11&#8195;<u>Specific Performance</u>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in accordance with its specific terms or otherwise were breached. Accordingly, the parties shall be entitled to specific performance of the terms hereof, including an injunction or injunctions to prevent breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the parties' obligation to consummate the Merger), in addition to any other remedy to which they are entitled at law or in equity. Each of the parties hereby further waives (a) any defense in any action for specific performance that a remedy at law would be adequate and (b) any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS912"><!--Anchor--></a>9.12&#8195;<u>Severability</u>. Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="tANXAS913"><!--Anchor--></a>9.13&#8195;<u>Delivery by Facsimile or Electronic Transmission</u>. This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by e-mail delivery of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; text-align: center;">[Signature Page Follows] </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-53<br></div></div></div>
<!--End Page 277-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 278-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg60"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">IN WITNESS WHEREOF, MVB Financial Corp. and Integrated Financial Holdings, Inc. have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB Financial Corp.</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">/s/ Donald T. Robinson</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Name: Donald T. Robinson</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Title: President and Chief Financial Officer</div></td></tr></table><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 51.28%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc.</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">/s/ Eric J. Bergevin</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Name: Eric J. Bergevin</div></td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Title: President and Chief Executive Officer</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-54<br></div></div></div>
<!--End Page 278-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 279-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg61"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;">Exhibit A<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">&#8195;<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">Form of Voting Agreement</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; text-align: center;">VOTING AND SUPPORT AGREEMENT</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;"><a name="iIN6"><!--Anchor--></a>THIS VOTING AND SUPPORT AGREEMENT (this &#8220;<u>Agreement</u>&#8221;) is made and entered into as of <a name="iIN104"><!--Anchor--></a>August&#160;12, 2022, by and among MVB Financial Corp., a West Virginia corporation (&#8220;<u>Purchaser</u>&#8221;), and the undersigned shareholders (each a &#8220;<u>Shareholder</u>&#8221; and collectively, the &#8220;<u>Shareholders</u>&#8221;) of Integrated Financial <a name="iIN22"><!--Anchor--></a>Holdings, Inc., a North Carolina corporation (&#8220;<u>Company</u>&#8221;).</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; text-align: center;">RECITALS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS<font style="font-weight: normal;">, concurrently with the execution of this Agreement, Purchaser and Company are entering into </font><font style="font-weight: normal;">an Agreement and Plan of Merger and Reorganization of even date herewith (as it may be amended from time to </font><font style="font-weight: normal;">time, the &#8220;</font><font style="font-weight: normal;"><u>Merger Agreement</u></font><font style="font-weight: normal;">&#8221;), pursuant to which, among other things, (i)&#160;Company will merge with and into </font><font style="font-weight: normal;"><a name="iIN84"><!--Anchor--></a>Purchaser (the &#8220;</font><font style="font-weight: normal;"><u>Merger</u></font><font style="font-weight: normal;">&#8221;) and (ii)&#160;except as otherwise provided in the Merger Agreement, each outstanding share </font><font style="font-weight: normal;">of the (i)&#160;voting common stock of Company (the &#8220;</font><font style="font-weight: normal;"><u>Voting Common Stock</u></font><font style="font-weight: normal;">&#8221;), and (ii)&#160;non-voting common stock </font><font style="font-weight: normal;">of Company (the &#8220;</font><font style="font-weight: normal;"><u>Non-Voting Common Stock</u></font><font style="font-weight: normal;"><a name="iIN28"><!--Anchor--></a>&#8221; and, together with the Voting Common Stock, the &#8220;</font><font style="font-weight: normal;"><u>Company </u></font><font style="font-weight: normal;"><u>Common Stock</u></font><font style="font-weight: normal;">&#8221;) will be converted into the right to receive the consideration set forth in the Merger Agreement;</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS<font style="font-weight: normal;">, as of the date hereof, each Shareholder is the beneficial owner (as defined in Rule 13d-3 </font><font style="font-weight: normal;">under the Securities Exchange Act of 1934, as amended) of such number of shares of Company Common Stock </font><font style="font-weight: normal;">and options to purchase such number of shares of Company Common Stock as is indicated on the signature page </font><font style="font-weight: normal;">of this Agreement;</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">WHEREAS<font style="font-weight: normal;">, as a condition and inducement to Purchaser and Company to enter into the Merger Agreement, </font><font style="font-weight: normal;">the Shareholders (in the Shareholders' capacity as such) are hereby agreeing to vote the Shares as described </font><font style="font-weight: normal;">herein and to take such other actions as provided for herein.</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">NOW THEREFORE<font style="font-weight: normal;">, in consideration of the foregoing and the mutual representations, warranties, </font><font style="font-weight: normal;">covenants and agreements contained herein, and intending to be legally bound, the parties hereto agree as </font><font style="font-weight: normal;">follows:</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">1.&#8195;<u>Certain Definitions</u>. All capitalized terms that are used but not defined herein shall have the respective meanings ascribed to them in the Merger Agreement. For all purposes of and under this Agreement, the following terms shall have the following respective meanings:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;&#8220;<u>Expiration Date</u>&#8221; shall mean the earliest to occur of (i)&#160;such date and time as the Merger Agreement shall have been terminated pursuant to Article VIII thereof, (ii)&#160;such date and time as the Merger shall become effective in accordance with the terms and provisions of the Merger Agreement, or (iii)&#160;the date of any material modification, waiver or amendment of the Merger Agreement that affects adversely the consideration payable to the shareholders of Company pursuant to the Merger Agreement as provided to the Shareholder on the date hereof. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;&#8220;<u>Shares</u>&#8221; shall mean (i)&#160;all securities of Company (including all shares of Company Common Stock, including restricted stock, and, to the extent transferable by their terms, all options, warrants and other rights to acquire shares of Company Common Stock) owned by the Shareholders as of the date hereof, and (ii)&#160;all additional securities of Company (including all additional shares of Company Common Stock and, to the extent transferable by their terms, all additional options, warrants and other rights to acquire shares of Company Common Stock) of which the Shareholders acquire ownership during the period from the date of this Agreement through the Expiration Date (including by way of stock dividend or distribution, split-up, recapitalization, combination, exchange of shares and the like).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">c.&#8195;&#8220;<u>Transfer</u>.&#8221; A person shall be deemed to have effected a &#8220;<u>Transfer</u>&#8221; of a Share if such person directly or indirectly (i)&#160;sells, pledges, encumbers, assigns, grants an option with respect to, transfers or disposes of such Share or any interest in such Share, or (ii)&#160;enters into an agreement or commitment providing for the sale of, pledge of, encumbrance of, assignment of, grant of an option with respect to, transfer of or disposition of such Share or any interest therein.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">2.&#8195;<u>Transfer of Shares</u>. Except as expressly permitted by this Agreement, until the Expiration Date, no Shareholder shall directly or indirectly: (i)&#160;cause or permit any Transfer of any of the Shares of which such </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-55<br></div></div></div>
<!--End Page 279-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 280-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg62"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-align: left;">Shareholder is the beneficial owner (x)&#160;unless each person to which any of such Shares, or any interest in any of such Shares, is or may be transferred shall have: (A) executed a counterpart of this Agreement and (B) agreed in writing to hold such Shares (or interest in such Shares) subject to all of the terms and provisions of this Agreement, or (y) except by will or by operation of law, in which case this Agreement will bind the transferee; (ii)&#160;grant any proxies or powers of attorney, other than consistent with the terms of <u>Section 3</u>, or deposit any Shares into a voting trust or enter into a voting agreement with respect to any Shares; or (iii)&#160;take any action that would make any representation or warranty of such Shareholder contained herein untrue or incorrect or have the effect of preventing or disabling such Shareholder from performing any of such Shareholder's obligations under this Agreement. Subject to any such Shares acquired upon exercise being subject to this Agreement (other than Shares accepted by Company as payment for the exercise price of Company Stock Options or for withholding taxes incurred in connection with the exercise of Company Stock Options), nothing herein is intended to prohibit Shareholder from exercising any outstanding and exercisable Company Stock Option, consistent with the terms of the underlying award agreement and applicable law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">3.&#8195;<u>Agreement to Vote Shares</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;Until the Expiration Date, each Shareholder agrees that, at every meeting of the shareholders of Company called, and at every adjournment or postponement thereof, and on every action or approval by written consent of the shareholders of Company, such Shareholder (solely in such Shareholder's capacity as such) shall, or shall cause the holder of record on any applicable record date to, vote the Shares for which it is entitled to vote at such meeting or by such written consent: </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;">(i)&#8195;in favor of the adoption of the Merger Agreement, and in favor of each of the other actions contemplated by the Merger Agreement;</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;">(ii)&#8195;against approval of any proposal made in opposition to, or in competition with, the Merger or any other transactions contemplated by the Merger Agreement; and</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 60pt; text-indent: 20pt; text-align: left;">(iii)&#8195;against any of the following actions (other than those actions that relate to the Merger and any other transactions between the Purchaser and the Company as contemplated by the Merger Agreement): (A) any merger, consolidation, business combination, sale of assets, or reorganization of Company or any subsidiary of Company, (B) any sale, lease or transfer of any significant part of the assets of Company or any subsidiary of Company, (C) any reorganization, recapitalization, dissolution, liquidation or winding up of Company or any subsidiary of Company, (D) any material change in the capitalization of Company or any subsidiary of Company, or the corporate structure of Company or any subsidiary of Company, or (E) any other action that is intended, or could reasonably be expected to, impede, interfere with, delay, postpone, discourage or adversely affect the Merger or any other transactions between the Purchaser and the Company as contemplated by the Merger Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;In the event that a meeting of the shareholders of Company is held, each Shareholder shall, or shall cause the holder of record of the Shares on any applicable record date to, appear at such meeting or otherwise cause the Shares to be counted as present thereat for purposes of establishing a quorum. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">c.&#8195;No Shareholder shall enter into any agreement or understanding with any person to vote or give instructions in any manner inconsistent with the terms of this <u>Section 3</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">d.&#8195;Except as expressly set forth in this <u>Section 3</u>, each Shareholder shall retain at all times the right to vote such Shareholder's Shares in such Shareholder's sole discretion and without any other limitation on matters that are at any time or from time to time presented for consideration to Company's shareholders.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">4.&#8195;<u>Agreement Not to Exercise Appraisal Rights</u>. Until the Expiration Date, each Shareholder hereby waives and agrees not to exercise or assert any rights (including, without limitation, under Chapter 55 of the North Carolina Business Corporation Act, Article 13) to demand payment for any Shares that may arise with respect to the Merger. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-56<br></div></div></div>
<!--End Page 280-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 281-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg63"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">5.&#8195;<u>Grant of Irrevocable Proxy; Appointment of Proxy</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;SHAREHOLDER HEREBY GRANTS TO, AND APPOINTS, PURCHASER AND ANY DESIGNEE OF PURCHASER, EACH OF THEM INDIVIDUALLY, AS SUCH SHAREHOLDER'S IRREVOCABLE (UNTIL THE TERMINATION OF THIS AGREEMENT) PROXY AND ATTORNEY-IN-FACT (WITH FULL POWER OF SUBSTITUTION) TO VOTE THE SHARES (OR&#160;ACT BY WRITTEN CONSENT) SOLELY AS INDICATED IN <u>SECTION 3</u>. THIS PROXY IS GIVEN TO SECURE THE PERFORMANCE OF THE DUTIES OF SHAREHOLDER UNDER THIS AGREEMENT. SHAREHOLDER INTENDS THIS PROXY TO BE IRREVOCABLE (UNTIL THE TERMINATION OF THIS AGREEMENT) AND COUPLED WITH AN INTEREST AND WILL TAKE SUCH FURTHER ACTION OR EXECUTE SUCH OTHER INSTRUMENTS AS MAY BE NECESSARY TO EFFECTUATE THE INTENT OF THIS PROXY AND HEREBY REVOKES ANY PROXY PREVIOUSLY GRANTED BY SUCH SHAREHOLDER WITH RESPECT TO THE SHARES (SUCH SHAREHOLDER REPRESENTING TO PURCHASER THAT ANY SUCH PROXY IS NOT IRREVOCABLE). NOTWITHSTANDING THE FOREGOING, EACH SHAREHOLDER GRANT OF THE PROXY CONTEMPLATED BY THIS SECTION 5 WITH RESPECT TO VOTING COMMON STOCK SHALL BE EFFECTIVE IF, AND ONLY IF, SUCH SHAREHOLDER HAS NOT DELIVERED TO COMPANY PRIOR TO THE MEETING AT WHICH ANY OF THE MATTERS DESCRIBED IN SECTION 3 ARE TO BE CONSIDERED, A DULY EXECUTED, NON-REVOKED PROXY CARD DIRECTING THAT THE SHARES OF SUCH SHAREHOLDER BE VOTED IN ACCORDANCE WITH SECTION 3 OF THIS AGREEMENT.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;The proxy granted in this <u>Section 5</u> shall automatically expire on the Expiration Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">6.&#8195;<u>Directors and Officers</u>. Notwithstanding any provision of this Agreement to the contrary, none of the Shareholders make any agreement pursuant to this Agreement or otherwise in such Shareholder's capacity as a director or officer of Company and nothing in this Agreement shall (or require the Shareholders to attempt to) (a) limit or restrict any Shareholder who is a director or officer of Company or any subsidiary of Company from acting in such capacity as a director or officer or voting in such person's sole discretion in such capacity as a director or officer on any matter (it being understood that this Agreement shall apply to each Shareholder solely in such Shareholder's capacity as a shareholder of Company), or (b) be construed to prohibit, limit or restrict such Shareholder from exercising such Shareholder's fiduciary duties as an officer or director to Company or its shareholders. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">7.&#8195;<u>No Ownership Interest</u>. Nothing contained in this Agreement shall be deemed to vest in Purchaser any direct or indirect ownership or incidence of ownership of or with respect to any Shares. All rights, ownership and economic benefits of and relating to the Shares shall remain vested in and belong to the Shareholders, and Purchaser shall not have any authority to direct the Shareholders in the voting of any of the Shares, except as otherwise provided herein.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">8.&#8195;<u>Representations and Warranties of the Shareholder</u>. Each Shareholder hereby represents and warrants to Purchaser as follows:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;<u>Power; Binding Agreement</u>. Such Shareholder has full power and authority to execute and deliver this Agreement, to perform such Shareholder's obligations hereunder and to consummate the transactions contemplated hereby. The execution, delivery and performance by such Shareholder of this Agreement, the performance by such Shareholder of its, his or her obligations hereunder and the consummation by such Shareholder of the transactions contemplated hereby have been duly and validly authorized by such Shareholder and no other actions or proceedings on the part of such Shareholder is necessary to authorize the execution and delivery by it, him or her of this Agreement, the performance by such Shareholder of its, his or her obligations hereunder or the consummation by such Shareholder of the transactions contemplated hereby. This Agreement has been duly executed and delivered by Shareholder and constitutes the valid and binding obligation of Shareholder, enforceable against such Shareholder in accordance with its terms.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;<u>No Conflicts</u>. Except as set forth in the Merger Agreement, no filing with, and no permit, authorization, consent, or approval of, any Governmental Entity is necessary for the execution by the Shareholder of this Agreement, the performance by the Shareholder of such Shareholder's obligations hereunder and the consummation by the Shareholder of the transactions contemplated hereby. None of </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-57<br></div></div></div>
<!--End Page 281-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 282-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg64"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-align: left;">the execution and delivery by the Shareholder of this Agreement, the performance by the Shareholder of such Shareholder's obligations hereunder or the consummation by the Shareholder of the transactions contemplated hereby will (i)&#160;result in a violation or breach of, or constitute (with or without notice or lapse of time or both) a default (or give rise to any third party right of termination, cancellation, material modification or acceleration) under any of the terms, conditions or provisions of any note, loan agreement, bond, mortgage, indenture, license, contract, commitment, arrangement, understanding, agreement, or other instrument or obligation of any kind to which such Shareholder is a party or by which the Shareholder or any of the Shareholder's properties or assets may be bound, or (ii)&#160;violate any order, writ, injunction, decree, judgment, order, statute, rule, or regulation applicable to the Shareholder or any of the Shareholder's properties or assets.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">c.&#8195;<u>Absence of Litigation</u>. As of the date hereof, there is no suit, action, investigation or proceeding pending or, to the knowledge of such Shareholder, threatened against or affecting the Shareholder that could reasonably be expected to materially impair the ability of the Shareholder to perform its, his or her obligations hereunder or to consummate the transactions contemplated hereby on a timely basis.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">d.&#8195;<u>Ownership of Shares</u>. Shareholder (i)&#160;is the beneficial owner of, and has good and valid title to, the shares of Company Common Stock indicated on the signature page of this Agreement, all of which are free and clear of any Liens (except any Liens arising under securities laws or arising hereunder), (ii)&#160;is the owner of options that are exercisable for the number of shares of Company Common Stock indicated on the signature page of this Agreement, all of which options and shares of Company Common Stock issuable upon the exercise of such options are free and clear of any Liens (except any Liens arising under securities laws or arising hereunder), and (iii)&#160;does not own, beneficially or otherwise, any securities of Company other than the shares of Company Common Stock, options to purchase shares of Company Common Stock, and shares of Company Common Stock issuable upon the exercise of such options, in each case, indicated on the signature page of this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">e.&#8195;<u>Voting Power</u>. Except as noted on <u>Schedule I</u> attached hereto, such Shareholder has and will have sole voting power, sole power of disposition, sole power to issue instructions with respect to the matters set forth herein, and sole power to agree to all of the matters set forth in this Agreement, in each case with respect to all of such Shareholder's Shares, with no limitations, qualifications or restrictions on such rights, subject to applicable federal securities laws and the terms of this Agreement. There are no proxies, voting trusts or understandings to or by which such Shareholder is a party or bound or that expressly requires that any of such Shareholder's Shares be voted in a specific manner other than as provided in this Agreement or that provide for any right on the part of any other person other than Shareholder to vote such Shares. Notwithstanding anything in this Agreement to the contrary, nothing herein shall require the Shareholder to exercise any option to purchase shares of Company Common Stock.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">f.&#8195;<u>Information</u>. None of the information relating to the Shareholder provided in writing by or on behalf of the Shareholder for inclusion in documents filed by Purchaser with the Securities and Exchange Commission will, at the respective times such information is sent or given to Purchaser or Company, contain any untrue statement of material fact or omit to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading. The Shareholder agrees to promptly notify Purchaser of any required corrections with respect to any such information.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">g.&#8195;<u>No Finder's Fees</u>. No broker, investment banker, financial advisor or other person is entitled to any broker's, finder's, financial adviser's or other similar fee or commission in connection with this Agreement based upon arrangements made by or on behalf of such Shareholder.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">h.&#8195;<u>Reliance by Purchaser and Company.</u> Such Shareholder understands and acknowledges that Purchaser and Company are entering into the Merger Agreement in reliance upon the Shareholder's execution and delivery of this Agreement.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-58<br></div></div></div>
<!--End Page 282-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 283-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg65"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">9.&#8195;<u>Representations and Warranties of Purchaser</u>. Purchaser represents and warrants to the Shareholder as follows: </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;<u>Power; Binding Agreement</u>. Purchaser has full power and authority to execute and deliver this Agreement, to perform its obligations hereunder and, except as set forth in the Merger Agreement, to consummate the transactions contemplated hereby. The execution, delivery and performance by Purchaser of this Agreement, the performance of its obligations hereunder and the consummation by Purchaser of the transactions contemplated hereby have been duly and validly authorized by Purchaser and no other actions or proceedings on its part is necessary to authorize the execution and delivery of this Agreement, or, except as set forth in the Merger Agreement, the performance of its obligations hereunder and the consummation by Purchaser of the transactions contemplated hereby. This Agreement has been duly executed and delivered by Purchaser and constitutes its valid and binding obligation, enforceable against it in accordance with its terms. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;<u>No Conflicts</u>. Except as set forth in the Merger Agreement, no filing with, and no permit, authorization, consent, or approval of, any Governmental Entity is necessary for the execution by Purchaser of this Agreement, the performance by Purchaser of its obligations hereunder and the consummation by Purchaser of the transactions contemplated hereby. None of the execution and delivery by Purchaser of this Agreement, the performance of its obligations hereunder or the consummation by Purchaser of the transactions contemplated hereby will (i)&#160;result in a violation or breach of, or constitute (with or without notice or lapse of time or both) a default (or give rise to any third party right of termination, cancellation, material modification or acceleration) under any of the terms, conditions or provisions of any note, loan agreement, bond, mortgage, indenture, license, contract, commitment, arrangement, understanding, agreement, or other instrument or obligation of any kind to which it is a party or by which it or any of its properties or assets may be bound, or (ii)&#160;violate any order, writ, injunction, decree, judgment, order, statute, rule, or regulation applicable to it or any of its properties or assets.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">10.&#8195;<u>Certain Restrictions</u>. No Shareholder shall, directly or indirectly, take any action that would make any representation or warranty of the Shareholder contained herein untrue or incorrect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">11.&#8195;<u>Disclosure</u>. Subject to reasonable prior notice and approval (which shall not be unreasonably withheld, conditioned or delayed), each Shareholder hereby authorizes Purchaser to publish and disclose such Shareholder's identity, ownership of Shares and the nature of such Shareholder's commitments, arrangements and understandings under this Agreement in all documents and schedules filed with the Securities and Exchange Commission and any press release or other disclosure document that Purchaser determines to be necessary or desirable in connection with the Merger and any transactions related to the Merger.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">12.&#8195;<u>Further Assurances</u>. Subject to the terms and conditions of this Agreement, each Shareholder shall use commercially reasonable efforts to take, or cause to be taken, all actions, and to do, or cause to be done, all things necessary to fulfill such Shareholder's obligations under this Agreement. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">13.&#8195;<u>Legending of Shares</u>. If so requested by Purchaser, each Shareholder agrees that the Shares shall bear a legend stating that they are subject to this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">14.&#8195;<u>Termination</u>. This Agreement shall terminate and shall have no further force or effect as of the Expiration Date. Notwithstanding the foregoing, nothing set forth in this <u>Section 14</u> or elsewhere in this Agreement shall relieve either party hereto from liability, or otherwise limit the liability of either party hereto, for any willful breach of this Agreement prior to the Expiration Date.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">15.&#8195;<u>Waiver of Right to Receive Non-Voting Common Stock of Purchaser</u>. Each Shareholder acknowledges and agrees that the Voting Common Stock and the Non-Voting Common Stock will be converted into the right to receive Purchaser Common Stock, as set forth in the Merger Agreement. Each Shareholder hereby waives and agrees not to exercise or assert any rights (including, without limitation, under the Company's Articles of Incorporation or the North Carolina Business Corporation Act) to receive non-voting common shares of Purchaser with respect to the Merger. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-59<br></div></div></div>
<!--End Page 283-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 284-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg66"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">16.&#8195;<u>Miscellaneous</u>.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">a.&#8195;<u>Validity</u>. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of the other provisions of this Agreement, which will remain in full force and effect. In the event any Governmental Entity of competent jurisdiction holds any provision of this Agreement to be null, void or unenforceable, the parties hereto shall negotiate in good faith and execute and deliver an amendment to this Agreement in order, as nearly as possible, to effectuate, to the extent permitted by law, the intent of the parties hereto with respect to such provision.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">b.&#8195;<u>Binding Effect and Assignment</u>. This Agreement and all of the provisions hereof shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns, but neither this Agreement nor any of the rights, interests or obligations of the parties hereto may be assigned by any of the parties without the prior written consent of the others.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">c.&#8195;<u>Amendments; Waiver</u>. This Agreement may be amended by the parties hereto, and the terms and conditions hereof may be waived, only by an instrument in writing signed on behalf of each of the parties hereto, or, in the case of a waiver, by an instrument signed on behalf of the party waiving compliance.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">d.&#8195;<u>Specific Performance; Injunctive Relief</u>. The parties hereto acknowledge that Purchaser shall be irreparably harmed and that there shall be no adequate remedy at law for a violation of any of the covenants or agreements of the Shareholders set forth herein. Therefore, it is agreed that, in addition to any other remedies that may be available to Purchaser upon any such violation, Purchaser shall be entitled to seek injunctive relief to prevent breaches of this Agreement and to specifically enforce the terms and provisions hereof. Shareholder further agrees that neither Purchaser nor any other person or entity shall be required to obtain, furnish or post any bond or similar instrument in connection with or as a condition to obtaining any remedy referred to in this paragraph, and Shareholder irrevocably waives any right it may have to require the obtaining, furnishing or posting of any such bond or similar instrument.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">e.&#8195;<u>Notices</u>. All notices and other communications pursuant to this Agreement shall be in writing and deemed to be sufficient if contained in a written instrument and shall be deemed given if delivered personally, telecopied, sent by nationally-recognized overnight courier or mailed by registered or certified mail (return receipt requested), postage prepaid, to the parties at the following address (or at such other address for a party as shall be specified by like notice):</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">If to Purchaser:</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB Financial Corp. </div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">301 Virginia Avenue</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fairmont, West Virginia 26554</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attn: Donald T. Robinson; Michael De Tommaso</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tel: (304) 363-4800</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">with a copy (which shall not constitute notice) to:</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Squire Patton Boggs (US) LLP</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">201 E. Fourth Street, Suite 1900</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Cincinnati, Ohio 45202</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Attn: James J. Barresi</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Tel: 513-361-1260</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fax: 513-361-1201</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">If to the Shareholder:</div></td></tr><tr><td style="width: 15.38%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 82.05%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">To the respective addresses and fax numbers shown on the signature pages for each Shareholder.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-60<br></div></div></div>
<!--End Page 284-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 285-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg67"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">f.&#8195;<u>No Waiver</u>. The failure of any party hereto to exercise any right, power or remedy provided under this Agreement or otherwise available in respect of this Agreement at law or in equity, or to insist upon compliance by any other party with its obligation under this Agreement, and any custom or practice of the parties at variance with the terms of this Agreement, shall not constitute a waiver by such party of such party's right to exercise any such or other right, power or remedy or to demand such compliance.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">g.&#8195;<u>No Third Party Beneficiaries</u>. Except for the reliance acknowledged in Section 8(h) hereof, this Agreement is not intended to confer upon any person other than the parties hereto any rights or remedies hereunder.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">h.&#8195;<u>Governing Law</u>. This Agreement shall be governed and construed in accordance with the laws of the State of Delaware, without regard to any applicable conflicts of law (whether of the State of Delaware or any other jurisdiction).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">i.&#8195;<u>Submission to Jurisdiction</u>. Each party agrees that it will bring any action or proceeding in respect of any claim arising under or related to this Agreement or the transactions contemplated hereby exclusively in Delaware Court of Chancery and any state appellate court therefrom within the State of Delaware, or, if the Delaware Court of Chancery declines to accept jurisdiction over a particular matter, any federal or state court of competent jurisdiction located in the State of Delaware (the &#8220;<u>Chosen </u><u>Courts</u>&#8221;), and, solely in connection with claims arising under or related to this Agreement or the transactions contemplated hereby, (1) irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (2) waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (3) waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (4) agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with Section 16(e).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">j.&#8195;<u>Rules of Construction</u>. The parties hereto agree that they have been represented by counsel during the negotiation and execution of this Agreement and, therefore, waive the application of any law, regulation, holding or rule of construction providing that ambiguities in an agreement or other document will be construed against the party drafting such agreement or document.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">k.&#8195;<u>Entire Agreement</u>. This Agreement contains the entire understanding of the parties hereto in respect of the subject matter hereof, and supersede all prior negotiations, agreements and understandings, both written and oral, between the parties hereto with respect to the subject matter hereof.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">l.&#8195;<u>Severability</u>. If any term or other provision of this Agreement is invalid, illegal or incapable of being enforced by any rule of law, or public policy, all other conditions and provisions of this Agreement shall nevertheless remain in full force and effect so long as the economic or legal substance of the transactions contemplated herein are not affected in any manner materially adverse to any party hereto. Upon such determination that any term or other provision is invalid, illegal or incapable of being enforced, the parties hereto shall negotiate in good faith to modify this Agreement so as to give effect to the original intent of the parties hereto as closely as possible in a mutually acceptable manner.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">m.&#8195;<u>Interpretation</u>. Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement they shall be deemed to be followed by the words &#8220;without limitation.&#8221; The article and section headings contained in this Agreement are solely for the purpose of reference, are not part of the agreement of the parties hereto and shall not in any way affect the meaning or interpretation of this Agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">n.&#8195;<u>Counterparts</u>. This Agreement may be executed in several counterparts, each of which shall be an original, but all of which together shall constitute one and the same agreement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 40pt; text-indent: 20pt; text-align: left;">o.&#8195;<u>Shareholder Obligations</u>. The obligations of the Shareholders under this Agreement shall be several and not joint.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; text-align: center;">[Remainder of Page Intentionally Left Blank]</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-61<br></div></div></div>
<!--End Page 285-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 286-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg68"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">IN WITNESS WHEREOF, the undersigned has caused this Agreement to be executed by its duly authorized officer to be effective as of the date first above written.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 53.85%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 43.59%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB FINANCIAL CORP.</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 38.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 43.59%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Name: Donald T. Robinson</div></td></tr><tr><td style="width: 53.85%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 43.59%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Title: President and Chief Financial Officer</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-62<br></div></div></div>
<!--End Page 286-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 287-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg69"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">SHAREHOLDER:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">[SHAREHOLDER NAME]</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td></tr><tr><td style="width: 46.15%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 46.15%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr></table><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Address:</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 4.25pt; padding-bottom: 4.25pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Shares beneficially owned:</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>&#8195;&#8195;&#8195;</u>shares of Voting Common Stock, including shares of restricted stock</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>&#8195;&#8195;&#8195;</u>shares of Non-Voting Common Stock</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;"><u>&#8195;&#8195;&#8195;</u>shares of Company Common Stock issuable upon exercise of outstanding options or warrants</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-63<br></div></div></div>
<!--End Page 287-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 288-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_300-annexa_pg70"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><u>SCHEDULE I</u></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; text-align: center;">EXCEPTIONS</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">None.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">A-64<br></div></div></div>
<!--End Page 288-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 289-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_301-annexb_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: right;"><a name="tANXAB"><!--Anchor--></a>Annex B </div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 19.5pt; text-align: center;">ARTICLES OF AMENDMENT <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">TO <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">ARTICLES OF INCORPORATION <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">OF <br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">MVB FINANCIAL CORP.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Pursuant to the provisions of Section 1006, Article 10, Chapter 31D of the Code of West Virginia, the undersigned corporation hereby adopts the following Articles of Amendment to its Articles of Incorporation:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">FIRST<font style="font-weight: normal;">:&#8195;The name of the corporation is MVB Financial Corp.</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">SECOND<font style="font-weight: normal;">:&#8195;The following amendment to the Articles of Incorporation was adopted by the shareholders </font><font style="font-weight: normal;">of&#160;the corporation on [_____________], in the manner prescribed by West Virginia Code Section 31D-10-1001, </font><font style="font-weight: normal;">et&#160;seq., and the corporation's Articles of Incorporation:</font></div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6pt; margin-left: 20pt; text-indent: 20pt; text-align: left;">RESOLVED<font style="font-weight: normal;">: that the first paragraph of Article V of the Articles of Incorporation be amended to read, </font><font style="font-weight: normal;">in its entirety, as follows:</font></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; text-align: center;">ARTICLE V</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">The total number of shares of all classes of capital stock which the corporation shall have the authority to issue shall be sixty million twenty thousand (60,020,000) shares, which shall be divided into forty million (40,000,000) shares of Common Stock, par value $1.00 per share, twenty million (20,000,000) shares of Class&#160;A Common Stock, par value $1.00 per share (&#8220;Class A Common Stock&#8221;), and twenty thousand (20,000) shares of Preferred Stock, par value $1,000 per share (&#8220;Preferred Stock&#8221;).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Dated this ______ day of ____________, 202___.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 51.28%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 46.15%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB FINANCIAL CORP.</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: top; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 41.03%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 51.28%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 2.56%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 41.03%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">[Name and Title]</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">B-1<br></div></div></div>
<!--End Page 289-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 290-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_302-annexc_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: right;"><a name="tANXAC"><!--Anchor--></a>Annex C</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 14.25pt; text-align: right;"><img style="height: 49px; width: 148px;" src="logo_stephens.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Board of Directors<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB Financial Corp.<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">301 Virginia Avenue<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Fairmont, WV 26554</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Dear Members of the Board:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We have acted as your financial advisor in connection with the proposed acquisition (the &#8220;Transaction&#8221;) of Integrated Financial Holdings, Inc. (the &#8220;Counterparty&#8221;) by MVB Financial Corp (the &#8220;Company&#8221;). You have requested that we provide our opinion (the &#8220;Opinion&#8221;) as investment bankers as to whether the consideration to be given by the Company in the Transaction is fair to the Company from a financial point of view.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Pursuant to the Agreement and Plan of Merger (the &#8220;Agreement&#8221;) to be entered into by and between the Company and the Counterparty, and subject to the terms, conditions and limitations set forth therein, we understand that, subject to potential adjustments as described in the Agreement, each outstanding share of the Counterparty&#8217;s common stock will be converted into the right to receive 1.210 shares of the Company&#8217;s common stock, which, based on the Company&#8217;s closing stock price of $34.24 on August&#160;10, 2022, results in the expected consideration to be exchanged by the Company for all of the outstanding common stock, including restricted stock awards, and options on the common stock of the Counterparty having an aggregate value of approximately $97.2&#160;million. The terms and conditions of the Transaction are more fully set forth in the Agreement. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In connection with developing our Opinion we have:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain publicly available financial statements and reports regarding the Company and the Counterparty;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain audited financial statements regarding the Company and the Counterparty;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain internal financial statements, management reports and other financial and operating data concerning the Company and the Counterparty prepared by management of the Company and management of the Counterparty, respectively;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iv)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed, on a pro forma basis, in reliance upon consensus research estimates and upon financial projections and other information and assumptions concerning the Company and the Counterparty provided by management of the Company and management of the Counterparty, respectively, the effect of the Transaction on the balance sheet, capitalization ratios, earnings and tangible book value both in the aggregate and, where applicable, on a per share basis of the Company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(v)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the reported prices and trading activity for the common stock of the Company and the Counterparty;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">compared the financial performance of the Company and the Counterparty with that of certain other publicly-traded companies and their securities that we deemed relevant to our analysis of the Transaction;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial terms, to the extent publicly available, of certain merger or acquisition transactions that we deemed relevant to our analysis of the Transaction;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(viii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the most recent draft of the Agreement and related documents provided to us by the Company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ix)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">discussed with management of the Company and management of the Counterparty the operations of and future business prospects for the Company and the Counterparty and the anticipated financial consequences of the Transaction to the Company and the Counterparty;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">C-1<br></div></div></div>
<!--End Page 290-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 291-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_302-annexc_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">PAGE 2</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(x)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">assisted in your deliberations regarding the material terms of the Transaction and your negotiations with the Counterparty; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(xi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">performed such other analyses and provided such other services as we have deemed appropriate.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We have relied on the accuracy and completeness of the information, financial data and financial forecasts provided to us by the Company and the Counterparty and of the other information reviewed by us in connection with the preparation of our Opinion, and our Opinion is based upon such information. We have not independently verified or undertaken any responsibility to independently verify the accuracy or completeness of any of such information, data or forecasts. Management of the Company has assured us that it is not aware of any relevant information that has been omitted or remains undisclosed to us. We have not assumed any responsibility for making or undertaking an independent evaluation or appraisal of any of the assets or liabilities of the Company or of the Counterparty, and we have not been furnished with any such evaluations or appraisals; nor have we evaluated the solvency or fair value of the Company or of the Counterparty under any laws relating to bankruptcy, insolvency or similar matters. We have not assumed any obligation to conduct any physical inspection of the properties, facilities, assets or liabilities (contingent or otherwise) of the Company or Counterparty. We have not received or reviewed any individual loan or credit files nor have we made an independent evaluation of the adequacy of the allowance for loan and lease losses of the Company or the Counterparty. We have not made an independent analysis of the effects of the COVID-19 pandemic, the invasion of Ukraine, potential future changes in the inflation rate or other related market developments or disruptions, or of any other disaster or adversity, on the business or prospects of the Company or the Counterparty. With respect to the financial forecasts prepared by management of the Company and management of the Counterparty, including the forecasts of potential cost savings and potential synergies, we have also assumed that such financial forecasts have been reasonably prepared and reflect the best currently available estimates and judgments of management of the Company and management of the Counterparty, respectively, as to the future financial performance of the Company and the Counterparty, respectively, and provide a reasonable basis for our analysis. We recognize that such financial forecasts are based on numerous variables, assumptions and judgments that are inherently uncertain (including, without limitation, factors related to general economic and competitive conditions) and that actual results could vary significantly from such forecasts, and we express no opinion as to the reliability of such financial projections and estimates or the assumptions upon which they are based.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">As part of our investment banking business, we regularly issue fairness opinions and are continually engaged in the valuation of companies and their securities in connection with business reorganizations, private placements, negotiated underwritings, mergers and acquisitions and valuations for estate, corporate and other purposes. We are familiar with the Company and the Counterparty. While we have not received fees for providing investment banking services to the Company or the Counterparty within the past two years, we have provided securities brokerage services to the Company and received customary commissions and other compensation in connection with such services. We serve as financial adviser to the Company in connection with the Transaction, and we are entitled to receive from the Company reimbursement of our expenses and a fee for our services as financial adviser to the Company, a significant portion of which is contingent upon the consummation of the Transaction. We are also entitled to receive a fee from the Company for providing our Opinion to the Board of Directors of the Company. The Company has also agreed to indemnify us for certain liabilities arising out of our engagement, including certain liabilities that could arise out of our providing this Opinion letter. We expect to pursue future investment banking services assignments with the participants in this Transaction. In the ordinary course of business, Stephens Inc. and its affiliates and employees at any time may hold long or short positions, and may trade or otherwise effect transactions as principal or for the accounts of customers, in debt, equity or derivative securities of any participants in the Transaction.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We are not legal, accounting, regulatory, or tax experts, and we have relied solely, and without independent verification, on the assessments of the Company and its other advisors with respect to such matters. We have assumed, with your consent, that the Transaction will not result in any materially adverse legal, regulatory, accounting or tax consequences for the Company and that any reviews of legal, accounting, regulatory or tax issues conducted as a result of the Transaction will be resolved favorably to the Company. We do not express any opinion as to any tax or other consequences that might result from the Transaction.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">C-2<br></div></div></div>
<!--End Page 291-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 292-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_302-annexc_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">PAGE 3</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">The Opinion is necessarily based upon market, economic and other conditions as they exist and can be evaluated on the date hereof and on the information made available to us as of the date hereof. Market price data used in connection with this Opinion is based on reported market closing prices as of August&#160;10, 2022. It should be understood that subsequent developments may affect this Opinion and that we do not have any obligation to update, revise or reaffirm this Opinion or otherwise comment on events occurring after the date hereof. We further note that the current volatility and disruption in the credit and financial markets relating to, among other things, the COVID-19 pandemic, the invasion of Ukraine or potential future changes in inflation rates may or may not have an effect on the Company or the Counterparty, and we are not expressing an opinion as to the effects of such volatility or such disruption on the Transaction or any party to the Transaction. We further express no opinion as to the prices at which shares of the Counterparty&#8217;s or Company&#8217;s common stock may trade at any time subsequent to the announcement of the Transaction.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In connection with developing this Opinion, we have assumed that, in all respects material to our analyses:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the Transaction and any related transactions will be consummated on the terms of the latest draft of the Agreement provided to us, without material waiver or modification;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the representations and warranties of each party in the Agreement and in all related documents and instruments referred to in the Agreement are true and correct;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">each party to the Agreement and all related documents will perform all of the covenants and agreements required to be performed by such party under such documents; </div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iv)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">all conditions to the completion of the Transaction will be satisfied within the time frames contemplated by the Agreement without any waivers;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(v)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">that in the course of obtaining the necessary regulatory, lending or other consents or approvals (contractual or otherwise) for the Transaction and any related transactions, no restrictions, including any divestiture requirements or amendments or modifications, will be imposed that would have a material adverse effect on the contemplated benefits of the Transaction to the Company;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vi)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">there has been no material change in the assets, liabilities, financial condition, results of operations, business or prospects of the Company or the Counterparty since the date of the most recent financial statements made available to us, and that no legal, political, economic, regulatory or other development has occurred that will adversely impact the Company or the Counterparty; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 2pt; margin-left: 20pt;"><tr><td style="width: 25pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(vii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">the Transaction will be consummated in a manner that complies with applicable law and regulations.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">This Opinion is directed to, and is for the use and benefit of, the Board of Directors of the Company (in its capacity as such) solely for purposes of assisting with its evaluation of the Transaction. Our Opinion does not address the merits of the underlying decision by the Company to engage in the Transaction, the merits of the Transaction as compared to other alternatives potentially available to the Company or the relative effects of any alternative transaction in which the Company might engage, nor is it intended to be a recommendation to any person or entity as to any specific action that should be taken in connection with the Transaction, including with respect to how to vote or act with respect to the Transaction. This Opinion is not intended to confer any rights or remedies upon any other person or entity. In addition, except as explicitly set forth in this letter, you have not asked us to address, and this Opinion does not address, the fairness to, or any other consideration of, the holders of any class of securities, creditors or other constituencies of the Company. We have not been asked to express any opinion, and do not express any opinion, as to the fairness of the amount or nature of the compensation to any of the Company&#8217;s officers, directors or employees, or to any group of such officers, directors or employees, whether relative to the compensation to other shareholders of the Company or otherwise. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Our Fairness Opinion Committee has approved the Opinion set forth in this letter. Neither this Opinion nor its substance may be disclosed by you to anyone other than your advisors without our written permission. Notwithstanding the foregoing, this Opinion and a summary discussion of our underlying analyses and role as financial adviser to the Company may be included in communications to shareholders of the Company, provided that this Opinion letter is reproduced in its entirety, and we approve of the content of such disclosures prior to any filing, distribution or publication of such shareholder communications and prior to distribution of any amendments thereto.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">C-3<br></div></div></div>
<!--End Page 292-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 293-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_302-annexc_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">August&#160;11, 2022<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">PAGE 4</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Based on the foregoing and our general experience as investment bankers, and subject to the limitations, assumptions and qualifications stated herein, we are of the opinion, on the date hereof, that the consideration to be given by the Company in the Transaction is fair to the Company from a financial point of view.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Very truly yours,</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 15.25pt; margin-left: 0pt; text-align: left;"><img style="height: 40px; width: 159px;" src="sig_stephensinc.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">STEPHENS INC.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">C-4<br></div></div></div>
<!--End Page 293-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 294-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_303-annexd_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: right;"><a name="tANXAD"><!--Anchor--></a>Annex&#160;D</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 15.25pt; text-align: center;"><img style="height: 37px; width: 376px;" src="logo_raymondjames01.jpg"><br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">&#8201;</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">August 10, 2022</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Board of Directors<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">8450 Falls of Neuse Road, Suite 202<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Raleigh, NC 27615 </div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Members of the Board of Directors:</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We understand that MVB Financial Corp. (&#8220;MVB Financial&#8221;) and Integrated Financial Holdings, Inc. (the &#8220;Company&#8221; or &#8220;Integrated Financial Holdings&#8221;), propose to enter into the Agreement (defined below) pursuant to which, among other things, the Company will be merged with and into MVB Financial with MVB Financial as the surviving corporation (the &#8220;Merger&#8221;) and that, in connection with the Merger, each outstanding share of common stock, par value $1.00 per share, of the Company (&#8220;Integrated Common Shares&#8221;), other than Exception Shares (as defined below), will be converted into the right to receive 1.21 shares (the &#8220;Exchange Ratio&#8221;) of MVB Financial common stock, subject to certain adjustments as provided for in the Agreement (as to which adjustments we express no opinion) (the &#8220;Proposed Transaction&#8221;). &#8220;Exception Shares&#8221; shall mean (i) each share of Company common stock owned by the Company as treasury stock or owned by the Company or MVB Financial or a subsidiary of either (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) and (ii) Appraisal Shares (as defined in the Agreement). The Board of Directors of the Company (the &#8220;Board&#8221;) has requested that Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;) provide an opinion (the &#8220;Opinion&#8221;) to the Board as to whether, as of the date hereof, the Exchange Ratio in the Merger pursuant to the Agreement is fair from a financial point of view to the holders of Integrated Common Shares (other than the Exception Shares). For purposes of this Opinion, and with your consent, we have assumed that the as of the date of this Opinion there are approximately 2.2 million Integrated Common Shares issued and outstanding and approximately 12.5 million common shares of MVB Financial issued and outstanding (which includes approximately 288 thousand shares to be issued in a pending investment transaction).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In connection with our review of the Proposed Transaction and the preparation of this Opinion, we have, among other things:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial terms and conditions as stated in the draft of the Agreement and Plan of Merger and Reorganization dated as of August 9, 2022 (the &#8220;Agreement&#8221;);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed certain information related to the historical condition and prospects of the Company and MVB Financial, as made available to Raymond James by or on behalf of the Company, including, but not limited to, (a) financial projections for each of the Company and MVB Financial certified by the management of the Company (together the &#8220;Projections&#8221;) and (b) certain forecasts and estimates of potential cost savings, operating efficiencies, revenue effects, and other pro forma financial adjustments expected to result from the Merger, which were authorized and reviewed by management of the Company (the &#8220;Pro Forma Financial Adjustments&#8221;);</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the Company&#8217;s and MVB Financial&#8217;s (a) audited consolidated financial statements for years ended December 31, 2021, December 31, 2020 and December 31, 2019; and (b) unaudited consolidated financial statements for the three-month periods ended March 31, 2022 and June 30, 2022;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the Company&#8217;s and MVB Financial&#8217;s recent public filings and certain other publicly available information regarding the Company and MVB Financial;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the financial and operating performance of the Company and MVB Financial and those of other selected public companies that we deem to be relevant;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">6.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">considered certain publicly available financial terms of certain transactions we deem to be relevant;</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">D-1<br></div></div></div>
<!--End Page 294-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 295-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_303-annexd_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Board of Directors <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">August&#160;10, 2022<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Page 2</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">reviewed the current and historical market prices and trading volume for Integrated Common Shares and for MVB Financial&#8217;s common stock, and the current market prices of the publicly traded securities of certain other companies that we deemed to be relevant;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">8.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">compared the relative contributions of the Company and MVB Financial to certain financial statistics of the combined company on a pro forma basis;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">conducted such other financial studies, analyses and inquiries and considered such other information and factors as we deemed appropriate;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">received a certificate addressed to Raymond James from a member of senior management of the Company regarding, among other things, the accuracy of the information, data and other materials (financial or otherwise) provided to, or discussed with, Raymond James by or on behalf of the Company; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">11.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">discussed with members of the senior management of the Company and MVB Financial certain information relating to the aforementioned and any other matters which we have deemed relevant to our inquiry including, but not limited to, the past and current business operations of the Company and MVB Financial, respectively, and the financial condition and future prospects and operations of the Company and MVB Financial, respectively.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">With your consent, we have assumed and relied upon the accuracy and completeness of all information supplied by or on behalf of the Company or otherwise reviewed by or discussed with us, and we have undertaken no duty or responsibility to, nor did we, independently verify any of such information. Furthermore, we have undertaken no independent analysis of any potential or actual litigation, regulatory action, possible unasserted claims or other contingent liabilities, to which the Company or MVB Financial is a party or may be subject, or of any governmental investigation of any possible unasserted claims or other contingent liabilities to which the Company or MVB Financial is a party or may be subject. With your consent, this Opinion makes no assumption concerning, and therefore does not consider, the potential effects of any such litigation, claims or investigations or possible assertions. We have not made or obtained an independent appraisal of the assets or liabilities (contingent or otherwise) of the Company or MVB Financial. We are not experts in generally accepted accounting principles (GAAP) or the evaluation of loan and lease portfolios for the purposes of assessing the adequacy of the allowances for loan and lease losses or any other reserves of each the Company and MVB Financial; accordingly, we have assumed that such allowances and reserves are in the aggregate adequate to cover such losses. With respect to the Projections, Pro Forma Financial Adjustments, and any other information and data provided to or otherwise reviewed by or discussed with us, we have, with your consent, assumed that the Projections, Pro Forma Financial Adjustments, and such other information and data have been reasonably prepared in good faith on bases reflecting the best currently available estimates and judgments of management of the Company, and we have relied upon the Company to advise us promptly if any information previously provided became inaccurate or was required to be updated during the period of our review. We express no opinion with respect to the Projections, Pro Forma Financial Adjustments, or the assumptions on which they are based. We have assumed that the final form of the Agreement will be substantially similar to the draft reviewed by us, and that the Proposed Transaction will be consummated in accordance with the terms of the Agreement without waiver or amendment of any conditions thereto and without adjustment to the Exchange Ratio. Furthermore, we have assumed, in all respects material to our analysis, that the representations and warranties of each party contained in the Agreement are true and correct and that each such party will perform all of the covenants and agreements required to be performed by it under the Agreement without being waived. We have relied upon and assumed, without independent verification, that (i) the Proposed Transaction will be consummated in a manner that complies in all respects with all applicable international, federal and state statutes, rules and regulations, and (ii) all governmental, regulatory, and other consents and approvals necessary for the consummation of the Proposed Transaction will be obtained and that no delay, limitations, restrictions or conditions will be imposed or amendments, modifications or waivers made that would have an effect on the Proposed Transaction or the Company that would be material to our analyses or this Opinion.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">D-2<br></div></div></div>
<!--End Page 295-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 296-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_303-annexd_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Board of Directors <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">August&#160;10, 2022<br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Page 3</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Our opinion is based upon market, economic, financial and other circumstances and conditions existing and disclosed to us as of August 9, 2022 and any material change in such circumstances and conditions would require a reevaluation of this Opinion, which we are under no obligation to undertake. We have relied upon and assumed, without independent verification, that there has been no change in the business, assets, liabilities, financial condition, results of operations, cash flows or prospects of the Company or MVB Financial since the respective dates of the most recent financial statements and other information, financial or otherwise, provided to us that would be material to our analyses or this Opinion, and that there is no information or any facts that would make any of the information reviewed by us incomplete or misleading in any material respect.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We express no opinion as to the underlying business decision to effect the Proposed Transaction, the structure or tax consequences of the Proposed Transaction or the availability or advisability of any alternatives to the Proposed Transaction. We provided financial advice to the Company with respect to the Proposed Transaction. We did not, however, recommend any specific amount or nature of consideration or that any specific consideration constituted the only appropriate consideration for the Proposed Transaction. We did not solicit indications of interest with respect to a transaction involving the Company. This letter does not express any opinion as to the likely trading range of MVB Financial common stock following the Proposed Transaction, which may vary depending on numerous factors that generally impact the price of securities or on the financial condition of MVB Financial at that time. We have assumed that the shares of MVB Financial common stock to be issued in the Proposed Transaction to the shareholders of the Company will be listed on the Nasdaq Capital Market. Our opinion is limited to the fairness, from a financial point of view, of the Exchange Ratio to be received by the holders of Integrated Common Shares (other than the Exception Shares). </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">We express no opinion with respect to any other reasons, legal, business, or otherwise, that may support the decision of the Board to approve or consummate the Proposed Transaction. Furthermore, no opinion, counsel or interpretation is intended by Raymond James on matters that require legal, accounting or tax advice. It is assumed that such opinions, counsel or interpretations have been or will be obtained from the appropriate professional sources. Furthermore, we have relied, with the consent of the Company, on the fact that the Company has been assisted by legal, accounting and tax advisors and we have, with the consent of the Company, relied upon and assumed the accuracy and completeness of the assessments by the Company and its advisors as to all legal, accounting and tax matters with respect to the Company and the Proposed Transaction, including, without limitation, that the Proposed Transaction will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In formulating our opinion, we have considered only what we understand to be the consideration to be received by the holders of Integrated Common Shares (other than the Exception Shares) as is described above, and we did not consider and we express no opinion on the fairness of the amount or nature of any compensation to be paid or payable to any of the Company&#8217;s officers, directors or employees, or class of such persons, whether relative to the compensation received by the holders of Integrated Common Shares (other than the Exception Shares) or otherwise. We have not been requested to opine as to, and this Opinion does not express an opinion as to or otherwise address, among other things: (1) the fairness of the Merger to the holders of any class of securities, creditors, or other constituencies of the Company, or to any other party, except and only to the extent expressly set forth in the last sentence of this Opinion or (2) the fairness of the Merger to any one class or group of the Company&#8217;s or any other party&#8217;s security holders or other constituencies vis-&#224;-vis any other class or group of the Company&#8217;s or such other party&#8217;s security holders or other constituents (including, without limitation, the allocation of any consideration to be received in the Merger amongst or within such classes or groups of security holders or other constituents). We are not expressing any opinion as to the impact of the Proposed Transaction on the solvency or viability of the Company or MVB Financial or the ability of the Company or MVB Financial to pay their respective obligations when they come due.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">The delivery of this opinion was approved by an opinion committee of Raymond James. </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">D-3<br></div></div></div>
<!--End Page 296-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 297-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_303-annexd_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">Board of Directors <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Integrated Financial Holdings, Inc. <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">August&#160;10, 2022 <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Page 4</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Raymond James has been engaged to render financial advisory services to the Company in connection with the Proposed Transaction and will receive a fee for such services, a substantial portion of which is contingent upon consummation of the Proposed Transaction. Raymond James will also receive a fee upon the delivery of this Opinion, which is not contingent upon the successful completion of the Proposed Transaction or on the conclusion reached herein. In addition, the Company has agreed to reimburse certain of our expenses and to indemnify us against certain liabilities arising out of our engagement.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In the ordinary course of our business, Raymond James may trade in the securities of the Company and MVB Financial for our own account or for the accounts of our customers and, accordingly, may at any time hold a long or short position in such securities. In the two years preceding the date of this letter, Raymond James has (i) provided investment banking advisory services to MVB Financial in connection with a minority investment in Warp Speed Holdings, for which Raymond James received a retainer fee and may receive additional fees in the future when the investment closes; (ii) provided investment banking services to MVB Financial in connection with two private debt offerings for which Raymond James received fees; (iii) Raymond James Bank is currently arranging the extension of a holding company loan to MVB for which the bank will receive an origination fee and, thereafter, periodic interest payments; and (iv) engaged in certain fixed income trading activity with MVB Bank, a subsidiary of MVB Financial, for which it has received commissions. Furthermore, Raymond James may provide investment banking, financial advisory and other financial services to the Company, MVB Financial, or their subsidiaries or affiliates, or other participants in the Proposed Transaction in the future, for which Raymond James may receive compensation.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">It is understood that this letter is solely for the information of the Board of Directors of the Company (solely in each director&#8217;s capacity as such) in evaluating the Proposed Transaction and does not constitute a recommendation to the Board of Directors or any shareholder of the Company or MVB Financial regarding how said shareholder should act or vote with respect to the Proposed Transaction or any other matter. Furthermore, this letter should not be construed as creating any fiduciary duty on the part of Raymond James to any such party. This Opinion may not be disclosed, reproduced, quoted, summarized, referred to at any time, in any manner, or used for any other purpose, nor shall any references to Raymond James or any of its affiliates be made, without our prior written consent, except that this Opinion may be disclosed in and filed with a joint prospectus / proxy statement used in connection with the Proposed Transaction that is required to be filed with the Securities and Exchange Commission, provided that this Opinion is quoted in full in such joint prospectus / proxy statement, along with a description, reasonably satisfactory to us.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">Based upon and subject to the foregoing, it is our opinion that, as of the date hereof, the Exchange Ratio provided under the Agreement is fair, from a financial point of view, to the holders of the Integrated Common Shares (other than the Exception Shares).</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8.5pt; margin-left: 0pt; text-align: left;">Very truly yours,</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">RAYMOND JAMES &amp; ASSOCIATES, INC.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">D-4<br></div></div></div>
<!--End Page 297-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 298-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: right;"><a name="tANXAE"><!--Anchor--></a>Annex&#160;E</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; text-align: center;">North Carolina Business Corporation Act</div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; text-align: center;">Article 13.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">&#8195;<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">Appraisal Rights.<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-weight: normal;">&#8195;</font><br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;"><font style="font-weight: normal;">Part 1. Right to Appraisal and Payment for Shares</font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">&#167; 55-13-01. Definitions.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">In this Article, the following definitions apply:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Affiliate. &#8211; A person that directly, or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with another person or is a senior executive thereof. For purposes of G.S. 55-13-01(7), a person is deemed to be an affiliate of its senior executives.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Beneficial shareholder. &#8211; A person who is the beneficial owner of shares held in a voting trust or by a nominee on the beneficial owner&#8217;s behalf.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Corporation. &#8211; The issuer of the shares held by a shareholder demanding appraisal and, for matters covered in G.S. 55-13-22 through G.S. 55-13-31, the term includes the surviving entity in a merger.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Expenses. &#8211; Reasonable expenses of every kind that are incurred in connection with a matter, including counsel fees.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(5)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Fair value. &#8211; The value of the corporation&#8217;s shares (i)&#160;immediately before the effectuation of the corporate action as to which the shareholder asserts appraisal rights, excluding any appreciation or depreciation in anticipation of the corporate action unless exclusion would be inequitable, (ii)&#160;using customary and current valuation concepts and techniques generally employed for similar business in the context of the transaction requiring appraisal, and (iii)&#160;without discounting for lack of marketability or minority status except, if appropriate, for amendments to the articles pursuant to G.S. 55-13-02(a)(5).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(6)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Interest. &#8211; Interest from the effective date of the corporate action until the date of payment, at the rate of interest on judgments in this State on the effective date of the corporate action.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(7)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Interested transaction. &#8211; A corporate action described in G.S. 55-13-02(a), other than a merger pursuant to G.S. 55-11-04 or G.S. 55-11-12, involving an interested person and in which any of the shares or assets of the corporation are being acquired or converted. As used in this definition, the following definitions apply:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Interested person. &#8211; A person, or an affiliate of a person, who at any time during the one-year period immediately preceding approval by the board of directors of the corporate action met any of the following conditions:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 60pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Was the beneficial owner of twenty percent (20%) or more of the voting power of the corporation, other than as owner of excluded shares.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 60pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Had the power, contractually or otherwise, other than as owner of excluded shares, to cause the appointment or election of twenty-five percent (25%) or more of the directors to the board of directors of the corporation.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 60pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Was a senior executive or director of the corporation or a senior executive of any affiliate thereof, and that senior executive or director will receive, as a result of the corporate action, a financial benefit not generally available to other shareholders as such, other than any of the following:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 80pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">I.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Employment, consulting, retirement, or similar benefits established separately and not as part of or in contemplation of the corporate action.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 80pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">II.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Employment, consulting, retirement, or similar benefits established in contemplation of, or as part of, the corporate action that are not more favorable than those existing before the corporate action or, if more favorable, that have been approved on behalf of the corporation in the same manner as is provided in G.S. 55-8-31(a)(1) and (c).</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-1<br></div></div></div>
<!--End Page 298-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 299-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 80pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">III.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">In the case of a director of the corporation who will, in the corporate action, become a director of the acquiring entity, or one of its affiliates, rights and benefits as a director that are provided on the same basis as those afforded by the acquiring entity generally to other directors of the acquiring entity or such affiliate of the acquiring entity.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Beneficial owner. &#8211; Any person who, directly or indirectly, through any contract, arrangement, or understanding, other than a revocable proxy, has or shares the power to vote, or to direct the voting of, shares. If a member of a national securities exchange is precluded by the rules of the exchange from voting without instruction on contested matters or matters that may affect substantially the rights or privileges of the holders of the securities to be voted, then that member of a national securities exchange shall not be deemed a &#8220;beneficial owner&#8221; of any securities held directly or indirectly by the member on behalf of another person solely because the member is the record holder of the securities. When two or more persons agree to act together for the purpose of voting their shares of the corporation, each member of the group formed thereby is deemed to have acquired beneficial ownership, as of the date of the agreement, of all voting shares of the corporation beneficially owned by any member of the group.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">c.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Excluded shares. &#8211; Shares acquired pursuant to an offer for all shares having voting power if the offer was made within one year prior to the corporate action for consideration of the same kind and of a value equal to or less than that paid in connection with the corporate action.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(8)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Preferred shares. &#8211; A class or series of shares the holders of which have preference over any other class or series with respect to distributions.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(9)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Record shareholder. &#8211; The person in whose name shares are registered in the records of the corporation or the beneficial owner of shares to the extent of the rights granted by a nominee certificate on file with the corporation.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(10)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Senior executive. &#8211; The chief executive officer, chief operating officer, chief financial officer, or anyone in charge of a principal business unit or function.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(11)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Shareholder. &#8211; Both a record shareholder and a beneficial shareholder. (1925, c. 77, s. 1; 1943, c. 270; G.S.,&#160;s. 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2011-347, s. 1; 2018-45, s. 24.)</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-02. Right to appraisal.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;In addition to any rights granted under Article 9 of this Chapter, a shareholder is entitled to appraisal rights and to obtain payment of the fair value of that shareholder&#8217;s shares, in the event of any of the following corporate actions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a merger to which the corporation is a party if either (i)&#160;shareholder approval is required for the merger by G.S. 55-11-03 or would be required but for the provisions of G.S. 55-11-03(j), except that appraisal rights shall not be available to any shareholder of the corporation with respect to shares of any class or series that remain outstanding after consummation of the merger or (ii)&#160;the corporation is a subsidiary and the merger is governed by G.S. 55-11-04 or G.S. 55-11-12.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a share exchange to which the corporation is a party as the corporation whose shares will be acquired, except that appraisal rights shall not be available to any shareholder of the corporation with respect to any class or series of shares of the corporation that is not exchanged.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a disposition of assets pursuant to G.S. 55-12-02.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">An amendment of the articles of incorporation (i)&#160;with respect to a class or series of shares that reduces the number of shares of a class or series owned by the shareholder to a fraction of a share if the corporation has an obligation or right to repurchase the fractional share so created or (ii)&#160;changes the corporation into a nonprofit corporation or cooperative organization.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(5)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Any other amendment to the articles of incorporation, merger, share exchange, or disposition of assets to the extent provided by the articles of incorporation, bylaws, or a resolution of the board of directors.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-2<br></div></div></div>
<!--End Page 299-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 300-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(6)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a conversion to a foreign corporation pursuant to Part 2 of Article 11A of this Chapter if the shareholder does not receive shares in the foreign corporation resulting from the conversion that (i)&#160;have terms as favorable to the shareholder in all material respects and (ii)&#160;represent at least the same percentage interest of the total voting rights of the outstanding shares of the corporation as the shares held by the shareholder before the conversion.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(7)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a conversion of the corporation to nonprofit status pursuant to Part 2 of Article 11A of this Chapter.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(8)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Consummation of a conversion of the corporation to an unincorporated entity pursuant to Part 2 of Article 11A of this Chapter.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;Notwithstanding subsection (a) of this section, the availability of appraisal rights under subdivisions (1),&#160;(2), (3), (4), (6), and (8) of subsection (a) of this section shall be limited in accordance with the following provisions:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Appraisal rights shall not be available for the holders of shares of any class or series of shares that are any of the following:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A covered security under section 18(b)(1)(A) or (B) of the Securities Act of 1933, as amended.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Traded in an organized market and has at least 2,000 shareholders and a market value of at least twenty&#160;million dollars ($20,000,000)(exclusive of the value of shares held by the corporation&#8217;s subsidiaries, senior executives, directors, and beneficial shareholders owning more than ten percent (10%) of such shares).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">c.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Issued by an open-end management investment company registered with the Securities and Exchange Commission under the Investment Company Act of 1940, as amended, and may be redeemed at the option of the holder at net asset value.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The applicability of subdivision (1) of this subsection shall be determined as of (i)&#160;the record date fixed to determine the shareholders entitled to receive notice of, and to vote at, the meeting of shareholders to act upon the corporate action requiring appraisal rights or, in the case of an offer made pursuant to G.S. 55-11-03(j), the date of the offer, or (ii)&#160;the day before the effective date of the corporate action if there is no meeting of shareholders and no offer made pursuant to G.S. 55-11-03(j).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Subdivision (1) of this subsection shall not be applicable and appraisal rights shall be available pursuant to subsection (a) of this section for the holders of any class or series of shares who are required by the terms of the corporate action requiring appraisal rights to accept for such shares anything other than cash or shares of any class or any series of shares of any corporation, or any other proprietary interest of any other entity, that satisfies the standards set forth in subdivision (1) of this subsection at the time the corporate action becomes effective.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Subdivision (1) of this subsection shall not be applicable and appraisal rights shall be available pursuant to subsection (a) of this section for the holders of any class or series of shares where the corporate action is an interested transaction.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;Notwithstanding any other provision of this section, the articles of incorporation as originally filed or any amendment to the articles may limit or eliminate appraisal rights for any class or series of preferred shares with respect to any corporate action, except that (i)&#160;no limitation or elimination shall be effective if the class or series does not have the right to vote separately as a voting group, alone or as part of a group, on the corporate action or if the corporate action is an amendment to the articles of incorporation that changes the corporation into a nonprofit corporation or a cooperative organization, and (ii)&#160;any limitation or elimination contained in an amendment to the articles of incorporation that limits or eliminates appraisal rights for any shares that are outstanding immediately prior to the effective date of the amendment, or that the corporation is or may be required to issue or sell thereafter pursuant to any conversion, exchange, or other right existing immediately before the effective date of the amendment, shall not apply to any corporate action that becomes effective within one year of that date if the corporate action would otherwise afford appraisal rights.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-3<br></div></div></div>
<!--End Page 300-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 301-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(d)&#8195;Repealed by Session Laws 2018-45, s. 25, effective October&#160;1, 2018. (1925, c. 77, s. 1; c. 235; 1929, c. 269; 1939, c. 279; 1943, c. 270; G.S., ss. 55-26, 55-167; 1955, c. 1371, s. 1; 1959, c. 1316, ss. 30, 31; 1969, c. 751, ss. 36, 39; 1973, c. 469, ss. 36, 37; c. 476, s. 193; 1989, c. 265, s. 1; 1989 (Reg. Sess., 1990), c. 1024, s. 12.18; 1991, c. 645, s. 12; 1997-202, s. 1; 1999-141, s. 1; 2001-387, s. 26; 2003-157, s. 1; 2011-347, ss. 1, 22(c); 2018-45, s. 25.)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-03. Assertion of rights by nominees and beneficial owners.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;A record shareholder may assert appraisal rights as to fewer than all the shares registered in the record shareholder&#8217;s name but owned by a beneficial shareholder only if the record shareholder (i)&#160;objects with respect to all shares of the class or series owned by the beneficial shareholder and (ii)&#160;notifies the corporation in writing of the name and address of each beneficial shareholder on whose behalf appraisal rights are being asserted. The rights of a record shareholder who asserts appraisal rights for only part of the shares held of record in the record shareholder&#8217;s name under this subsection shall be determined as if the shares as to which the record shareholder objects and the record shareholder&#8217;s other shares were registered in the names of different record shareholders.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;A beneficial shareholder may assert appraisal rights as to shares of any class or series held on behalf of the shareholder only if the shareholder does both of the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Submits to the corporation the record shareholder&#8217;s written consent to the assertion of rights no later than the date referred to in G.S. 55-13-22(b)(2)b.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Submits written consent under subdivision (1) of this subsection with respect to all shares of the class or series that are beneficially owned by the beneficial shareholder. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2011-347, s. 1.)</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">&#167;&#167; 55-13-04 through 55-13-19. <font style="font-weight: normal;">Reserved for future codification purposes.</font></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 19.5pt; text-align: center;">Part 2. Procedure for Exercise of Appraisal Rights</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-20. Notice of appraisal rights.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;If any corporate action specified in G.S. 55-13-02(a) is to be submitted to a vote at a shareholders&#8217; meeting, or where no approval of the action is required pursuant to G.S. 55-11-03(j), the meeting notice or, if applicable, the offer made pursuant to G.S. 55-11-03(j), shall state that the corporation has concluded that shareholders are, are not, or may be entitled to assert appraisal rights under this Article. If the corporation concludes that appraisal rights are or may be available, a copy of this Article shall accompany the meeting notice or offer sent to those record shareholders entitled to exercise appraisal rights.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;In a merger pursuant to G.S. 55-11-04 or G.S. 55-11-12, the parent corporation shall notify in writing all record shareholders of the subsidiary who are entitled to assert appraisal rights that the corporate action became effective. Notice required under this subsection shall be sent within 10 days after the corporate action became effective and include the materials described in G.S. 55-13-22.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;If any corporate action specified in G.S. 55-13-02(a) is to be approved by written consent of the shareholders pursuant to G.S. 55-7-04, then the following shall occur:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Written notice that appraisal rights are, are not, or may be available shall be given to each record shareholder from whom a consent is solicited at the time consent of each shareholder is first solicited and, if the corporation has concluded that appraisal rights are or may be available, shall be accompanied by a copy of this Article.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Written notice that appraisal rights are, are not, or may be available shall be delivered together with the notice to the applicable shareholders required by subsections (d) and (e) of G.S. 55-7-04, may include the materials described in G.S. 55-13-22, and, if the corporation has concluded that appraisal rights are or may be available, shall be accompanied by a copy of this Article.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-4<br></div></div></div>
<!--End Page 301-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 302-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg5"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(d)&#8195;If any corporate action described in G.S. 55-13-02(a) is proposed, or a merger pursuant to G.S.&#160;55-11-04 or G.S. 55-11-12 is effected, then the notice or offer referred to in subsection (a) or (c) of this section, if the corporation concludes that appraisal rights are or may be available, and the notice referred to in subsection (b) of this section, shall be accompanied by both of the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Annual financial statements as described in G.S. 55-16-20(a) of the corporation that issued the shares to be appraised. The date of the financial statements shall not be more than 16 months before the date of the notice. If annual financial statements that meet the requirements of this subdivision are not reasonably available, then the corporation shall provide reasonably equivalent financial information and in any case shall provide a balance sheet as of the end of a fiscal year ending not more than 16 months before the date of the notice, an income statement for that year, and a cash flow statement for that year.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The latest interim financial statements of the corporation, if any.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(e)&#8195;The right to receive the information described in subsection (d) of this section may be waived in writing by a shareholder before or after the corporate action. (1925, c. 77, s. 1; c. 235; 1929, c. 269; 1939, c. 5; c. 279; 1943, c. 270; G.S., ss. 55-26, 55-165, 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2002-58, s. 2; 2011-347, s. 1; 2018-45, s. 26; 2021-106, s. 6(g).)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-21. Notice of intent to demand payment and consequences of voting or consenting.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;If a corporate action specified in G.S. 55-13-02(a) is submitted to a vote at a shareholders&#8217; meeting, a shareholder who wishes to assert appraisal rights with respect to any class or series of shares must do the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Deliver to the corporation, before the vote is taken, written notice of the shareholder&#8217;s intent to demand payment if the proposed action is effectuated.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Not vote, or cause or permit to be voted, any shares of any class or series in favor of the proposed action.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;If a corporate action specified in G.S. 55-13-02(a) is to be approved by less than unanimous written consent, a shareholder who wishes to assert appraisal rights with respect to any class or series of shares must satisfy both of the following requirements:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must deliver to the corporation, before the proposed action becomes effective, written notice of the shareholder's intent to demand payment if the proposed action is effectuated, except that the written notice is not required if the notice required by G.S. 55-13-20(c) is given less than 25 days prior to the date the proposed action is effectuated.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must not execute a consent in favor of the proposed action with respect to that class or series of shares.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b1)&#8195;If a corporate action specified in G.S. 55-13-02(a) does not require shareholder approval pursuant to G.S.&#160;55-11-03(j), a shareholder who wishes to assert appraisal rights with respect to any class or series of shares must satisfy both of the following requirements:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must deliver to the corporation, before the shares are purchased pursuant to the offer made consistent with subdivision (2) of subsection (j) of G.S. 55-11-03, written notice of the shareholder's intent to demand payment if the proposed action is effectuated.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The shareholder must not tender, or cause or permit to be tendered, any shares of the class or series in response to the offer.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;A shareholder who fails to satisfy the requirements of subsection (a), (b), or (b1) of this section is not entitled to payment under this Article. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2011-347, s. 1; 2018-45, s. 27.)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-22. Appraisal notice and form.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;If a corporate action requiring appraisal rights under G.S. 55-13-02(a) becomes effective, the corporation must deliver a written appraisal notice and form required by subdivision (b)(1) of this section to all shareholders who satisfied the requirements of G.S. 55-13-21. In the case of a merger under G.S. 55-11-04 or </div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-5<br></div></div></div>
<!--End Page 302-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 303-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg6"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">G.S. 55-11-12, the parent corporation must deliver a written appraisal notice and form to all record shareholders of the subsidiary who may be entitled to assert appraisal rights. </div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;The appraisal notice must be sent no earlier than the date the corporate action specified in G.S.&#160;55-13-02(a) became effective and no later than 10 days after that date. The appraisal notice must include the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A form that specifies the first date of any announcement to shareholders, made prior to the date the corporate action became effective, of the principal terms of the proposed corporate action. If such an announcement was made, the form shall require a shareholder asserting appraisal rights to certify whether beneficial ownership of those shares for which appraisal rights are asserted was acquired before that date. The form shall require a shareholder asserting appraisal rights to certify that the shareholder did not vote for or consent to the transaction.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Disclosure of the following:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Where the form must be sent and where certificates for certificated shares must be deposited, as well as the date by which those certificates must be deposited. The certificate deposit date must not be earlier than the date for receiving the required form under sub-subdivision b. of this subdivision.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A date by which the corporation must receive the payment demand, which date may not be fewer than 40 nor more than 60 days after the date the appraisal notice required under subsection (a) of this section and form are sent. The form shall also state that the shareholder shall have waived the right to demand appraisal with respect to the shares unless the form is received by the corporation by the specified date.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">c.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The corporation&#8217;s estimate of the fair value of the shares.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">d.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That, if requested in writing, the corporation will provide, to the shareholder so requesting, within 10&#160;days after the date specified in sub-subdivision b. of this subdivision, the number of shareholders who return the forms by the specified date and the total number of shares owned by them.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">e.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The date by which the notice to withdraw under G.S. 55-13-23 must be received, which date must be within 20 days after the date specified in sub-subdivision b. of this subdivision.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Be accompanied by a copy of this Article. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c.&#160;1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 1997-485, s. 4; 2001-387, s. 27; 2002-58, s. 3; 2011-347, s. 1; 2018-45, s. 28.)</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 14pt; margin-left: 0pt; text-align: left;">&#167; 55-13-23. Perfection of rights; right to withdraw.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;A shareholder who receives notice pursuant to G.S. 55-13-22 and who wishes to exercise appraisal rights must sign and return the form sent by the corporation and, in the case of certificated shares, deposit the shareholder&#8217;s certificates in accordance with the terms of the notice by the date referred to in the notice pursuant to G.S. 55-13-22(b)(2). In addition, if applicable, the shareholder must certify on the form whether the beneficial owner of such shares acquired beneficial ownership of the shares before the date required to be set forth in the notice pursuant to G.S. 55-13-22(b)(1). If a shareholder fails to make this certification, the corporation may elect to treat the shareholder&#8217;s shares as after-acquired shares under G.S. 55-13-27. Once a shareholder deposits that shareholder&#8217;s certificates or, in the case of uncertificated shares, returns the signed forms, that shareholder loses all rights as a shareholder, unless the shareholder withdraws pursuant to subsection (b) of this section.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;A shareholder who has complied with subsection (a) of this section may nevertheless decline to exercise appraisal rights and withdraw from the appraisal process by so notifying the corporation in writing by the date set&#160;forth in the appraisal notice pursuant to G.S. 55-13-22(b)(2)e. A shareholder who fails to so withdraw from the appraisal process may not thereafter withdraw without the corporation&#8217;s written consent.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;A shareholder who does not sign and return the form and, in the case of certificated shares, deposit that shareholder&#8217;s share certificates where required, each by the date set forth in the notice described in G.S.&#160;55-13-22(b) shall not be entitled to payment under this Article. (1925, c. 77, s. 1; 1943, c. 270; G.S., s.&#160;55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2011-347, s. 1.)</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-6<br></div></div></div>
<!--End Page 303-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 304-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg7"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">&#167; 55-13-24. <font style="font-weight: normal;">Repealed by Session Laws 2011-347, s. 1, effective October&#160;1, 2011.</font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-25. Payment.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;Except as provided in G.S. 55-13-27, within 30 days after the form required by G.S. 55-13-22(b) is due, the corporation shall pay in cash to the shareholders who complied with G.S. 55-13-23(a) the amount the corporation estimates to be the fair value of their shares, plus interest.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;The payment to each shareholder pursuant to subsection (a) of this section shall be accompanied by the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The following financial information:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Annual financial statements as described in G.S. 55-16-20(a) of the corporation that issued the shares to be appraised. The date of the financial statements shall not be more than 16 months before the date of payment. If annual financial statements that meet the requirements of this sub-subdivision are not reasonably available, the corporation shall provide reasonably equivalent financial information and in any case shall provide a balance sheet as of the end of a fiscal year ending not more than 16 months before the date of payment, an income statement for that year, and a cash flow statement for that year.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The latest interim financial statements, if any.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A statement of the corporation&#8217;s estimate of the fair value of the shares. The estimate shall equal or exceed the corporation&#8217;s estimate given pursuant to G.S. 55-13-22(b)(2)c.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">A statement that the shareholders described in subsection (a) of this section have the right to demand further payment under G.S. 55-13-28 and that if a shareholder does not do so within the time period specified in G.S. 55-13-28, then the shareholder shall be deemed to have accepted payment in full satisfaction of the corporation&#8217;s obligations under this Article. (1925, c. 77, s. 1; 1943, c. 270; G.S., s.&#160;55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; c. 770, s.&#160;69; 1997-202, s. 2; 2011-347, s. 1; 2021-106, s. 6(h).)</div></td></tr></table><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 20.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-26. <font style="font-weight: normal;">Repealed by Session Laws 2011-347, s. 1, effective October&#160;1, 2011.</font></div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">&#167; 55-13-27. After-acquired shares.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;A corporation may elect to withhold payment required by G.S. 55-13-25 from any shareholder who was required to but did not certify that beneficial ownership of all of the shareholder&#8217;s shares for which appraisal rights are asserted was acquired before the date set forth in the appraisal notice sent pursuant to G.S.&#160;55-13-22(b)(1).</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;If the corporation elected to withhold payment under subsection (a) of this section, it must, within 30&#160;days after the form required by G.S. 55-13-22(b) is due, notify all shareholders who are described in subsection (a) of this section of the following:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The information required by G.S. 55-13-25(b)(1).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The corporation&#8217;s estimate of fair value pursuant to G.S. 55-13-25(b)(2).</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That they may accept the corporation&#8217;s estimate of fair value, plus interest, in full satisfaction of their demands or demand appraisal under G.S. 55-13-28.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That those shareholders who wish to accept such offer must so notify the corporation of their acceptance of the corporation&#8217;s offer within 30 days after receiving the offer.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(5)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That those shareholders who do not satisfy the requirements for demanding appraisal under G.S.&#160;55-13-28 shall be deemed to have accepted the corporation&#8217;s offer.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;Within 10 days after receiving the shareholder&#8217;s acceptance pursuant to subsection (b) of this section, the corporation must pay in cash the amount it offered under subdivision (b)(2) of this section to each shareholder who agreed to accept the corporation&#8217;s offer in full satisfaction of the shareholder&#8217;s demand.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-7<br></div></div></div>
<!--End Page 304-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 305-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg8"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(d)&#8195;Within 40 days after sending the notice described in subsection (b) of this section, the corporation must pay in cash the amount it offered to pay under subdivision (b)(2) of this section to each shareholder described in subdivision (b)(5) of this section. (2011-347, s. 1.)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">&#167; 55-13-28. Procedure if shareholder dissatisfied with payment or offer.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;A shareholder paid pursuant to G.S. 55-13-25 who is dissatisfied with the amount of the payment must notify the corporation in writing of that shareholder&#8217;s estimate of the fair value of the shares and demand payment of that estimate plus interest (less any payment under G.S. 55-13-25). A shareholder offered payment under G.S.&#160;55-13-27 who is dissatisfied with that offer must reject the offer and demand payment of the shareholder&#8217;s stated estimate of the fair value of the shares, plus interest.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;A shareholder who fails to notify the corporation in writing of that shareholder&#8217;s demand to be paid the shareholder&#8217;s stated estimate of the fair value, plus interest, under subsection (a) of this section within 30 days after receiving the corporation&#8217;s payment or offer of payment under G.S. 55-13-25 or G.S. 55-13-27, respectively, waives the right to demand payment under this section and shall be entitled only to the payment made or offered pursuant to those respective sections. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 1997-202, s. 3; 2011-347, s. 1.)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 12pt; margin-left: 0pt; text-align: left;">&#167; 55-13-29. <font style="font-weight: normal;">Reserved for future codification purposes.</font></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; text-align: center;">Part 3. Judicial Appraisal of Shares.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">&#167; 55-13-30. Court Action.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;If a shareholder makes a demand for payment under G.S. 55-13-28 that remains unsettled, the corporation shall commence a proceeding within 60 days after receiving the payment demand by filing a complaint with the Superior Court Division of the General Court of Justice to determine whether the shareholder complied with the requirements of this Article and is entitled to appraisal rights, and, if so, to determine the fair value of the shares and accrued interest. The shareholder has the burden of proving that the shareholder complied with the requirements of this Article regarding entitlement to appraisal rights. If the superior court determines that a shareholder has not complied with the requirements of this Article, the shareholder is not entitled to appraisal rights, and the court shall dismiss the proceeding as to the shareholder. If the corporation does not commence the proceeding within the 60-day period, the corporation shall pay in cash to each shareholder the amount the shareholder demanded pursuant to G.S.&#160;55-13-28, plus interest.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a1)&#8195;Repealed by Session Laws 1997-202, s. 4.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;The corporation shall commence the proceeding in the appropriate court of the county where the corporation&#8217;s principal office, or, if none, its registered office in this State is located. If the corporation is a foreign corporation without a registered office in this State, it shall commence the proceeding in the county in this State where the principal office or registered office of the domestic corporation merged with the foreign corporation was located at the time of the transaction.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;The corporation shall make all shareholders, whether or not residents of this State, whose demands remain unsettled parties to the proceeding as in an action against their shares and all parties shall be served with a copy of the complaint. Nonresidents may be served by registered or certified mail or by publication as provided by law.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(d)&#8195;The jurisdiction of the superior court in which the proceeding is commenced under subsection (b) of this section is plenary and exclusive. The court may appoint one or more persons as appraisers to receive evidence and recommend a decision on the question of fair value. The appraisers shall have the powers described in the order appointing them, or in any amendment to it. The shareholders demanding appraisal rights are entitled to the same discovery rights as parties in other civil proceedings. There is no right to a trial by jury.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(e)&#8195;Each shareholder made a party to the proceeding that is determined by the superior court to have complied with the requirements of this Article and is entitled to appraisal rights is entitled to judgment either (i)&#160;for the amount, if any, by which the court finds the fair value of the shareholder&#8217;s shares, plus interest, exceeds the amount paid by the corporation to the shareholder for the shareholder&#8217;s shares or (ii)&#160;for the fair value, plus interest, of the shareholder&#8217;s shares for which the corporation elected to withhold payment under G.S.&#160;55-13-27. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c. 1371, s. 1; 1969, c. 751, s. 39; 1973, c.&#160;469, ss. 36, 37; 1989, c. 265, s. 1; 1997-202, s. 4; 1997-485, ss. 5, 5.1; 2011-347, s. 1; 2021-106, s. 5(a).)</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-8<br></div></div></div>
<!--End Page 305-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 306-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg9"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; margin-left: 0pt; text-align: left;">&#167; 55-13-31. Court costs and expenses.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;The court in an appraisal proceeding commenced under G.S. 55-13-30 shall determine all court costs of the proceeding, including the reasonable compensation and expenses of appraisers appointed by the court. The court shall assess the costs against the corporation, except that the court may assess costs against all or some of the shareholders demanding appraisal, in amounts the court finds equitable, to the extent the court finds such shareholders acted arbitrarily, vexatiously, or not in good faith with respect to the rights provided by this Article.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;The court in an appraisal proceeding may also assess the expenses for the respective parties, in amounts the court finds equitable:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Against the corporation and in favor of any or all shareholders demanding appraisal if the court finds the corporation did not substantially comply with the requirements of G.S. 55-13-20, 55-13-22, 55-13-25, or 55-13-27.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Against either the corporation or a shareholder demanding appraisal, in favor of any other party, if the court finds that the party against whom expenses are assessed acted arbitrarily, vexatiously, or not in good faith with respect to the rights provided by this Article.</div></td></tr></table><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(c)&#8195;If the court in an appraisal proceeding finds that the expenses incurred by any shareholder were of substantial benefit to other shareholders similarly situated and that these expenses should not be assessed against the corporation, the court may direct that the expenses be paid out of the amounts awarded the shareholders who were benefited.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(d)&#8195;To the extent the corporation fails to make a required payment pursuant to G.S. 55-13-25, 55-13-27, or 55-13-28, the shareholder may sue directly for the amount owed and, to the extent successful, shall be entitled to recover from the corporation all expenses of the suit. (1925, c. 77, s. 1; 1943, c. 270; G.S., s. 55-167; 1955, c.&#160;1371, s. 1; 1969, c. 751, s. 39; 1973, c. 469, ss. 36, 37; 1989, c. 265, s. 1; 2011-347, s. 1.)</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; margin-left: 0pt; text-align: left;">&#167;&#167; 55-13-32 through 55-13-39<font style="font-weight: normal;">. Reserved for future codification purposes.</font></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 17.5pt; text-align: center;">Part 4. Other Remedies.</div><div class="h2" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 7pt; margin-left: 0pt; text-align: left;">&#167; 55-13-40. Other remedies limited.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(a)&#8195;The legality of a proposed or completed corporate action described in G.S. 55-13-02(a) may not be contested, nor may the corporate action be enjoined, set aside, or rescinded, in a legal or equitable proceeding by a shareholder after the shareholders have approved the corporate action.</div><div class="para" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 8pt; margin-left: 0pt; text-indent: 20pt; text-align: left;">(b)&#8195;Subsection (a) of this section does not apply to a corporate action that:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Was not authorized and approved in accordance with the applicable provisions of any of the following:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Article 9, 9A, 10, 11, 11A, or 12 of this Chapter.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The articles of incorporation or bylaws.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">c.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The resolution of the board of directors authorizing the corporate action.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Was procured as a result of fraud, a material misrepresentation, or an omission of a material fact necessary to make statements made, in light of the circumstances in which they were made, not misleading.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Constitutes an interested transaction, unless it has been authorized, approved, or ratified by either (i)&#160;the board of directors or a committee of the board or (ii)&#160;the shareholders, in the same manner as is provided in G.S. 55-8-31(a)(1) and (c) or in G.S. 55-8-31(a)(2) and (d), as if the interested transaction were a director&#8217;s conflict of interest transaction.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Was approved by less than unanimous consent of the voting shareholders pursuant to G.S. 55-7-04, provided that both of the following are true:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">a.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The challenge to the corporate action is brought by a shareholder who did not consent and as to whom notice of the approval of the corporate action was not effective at least 10 days before the corporate action was effected.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-9<br></div></div></div>
<!--End Page 306-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 307-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_304-annexe_pg10"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">b.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The proceeding challenging the corporate action is commenced within 10 days after notice of the approval of the corporate action is effective as to the shareholder bringing the proceeding. (2011-347, s. 1.)</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">E-10<br></div></div></div>
<!--End Page 307-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 308-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_400-part2_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tPARTII"><!--Anchor--></a>PART II<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">&#8195;<br></div><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; text-align: center;">INFORMATION NOT REQUIRED IN PROSPECTUS</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 12pt; margin-left: 0pt;"><tr><td style="width: 50pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Item 20.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;"><font style="font-style: italic;">Indemnification of Directors and Officers</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Section 31D-8-851 of the West Virginia Business Corporation Act provides in part that each West Virginia corporation has the power to indemnify any director against liability incurred in a proceeding against him by reason of being or having been such director (other than in an action by or in the right of the corporation) if he acted in good faith and in a manner he reasonably believed to be or not opposed to the best interests of the corporation, or, in the case of any criminal proceeding, he had no reasonable cause to believe his conduct was unlawful. With respect to an action by or in the right of the corporation, except for reasonable expenses incurred in the proceeding as to which he meets the foregoing standard of conduct, a director may not be indemnified. A director also may not be indemnified unless ordered by a court if he is adjudged liable on the basis that he received a financial benefit to which he was not entitled. A West Virginia corporation may make any other or further indemnity to any such persons that may be authorized by the corporation&#8217;s articles of incorporation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">A corporation must indemnify a director who was wholly successful on the merits in the proceeding against reasonable expenses of the proceeding. A corporation may advance expenses incurred by a director in such a proceeding if he affirms he has met the standard of conduct and agrees to return the advanced expenses if it is determined he has not met this standard.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Section 31D-8-856 of the West Virginia Business Corporation Act provides that a West Virginia corporation may indemnify and advance expenses to an officer of the corporation who is a party to a proceeding because he or she is an officer of the corporation to the same extent as a director and, if he or she is an officer but not a director, to a further extent as may be provided by the articles of incorporation, the bylaws, a resolution of the board of directors or contract, except for (i)&#160;liability in connection with a proceeding by or in the right of the corporation other than for reasonable expenses incurred in connection with the proceeding or (ii)&#160;liability arising out of conduct that constitutes (a) receipt by him or her of a financial benefit to which he or she is not entitled, (b) an intentional infliction of harm on the corporation or the shareholders or (c) an intentional violation of criminal law. A corporation must indemnify an officer who was wholly successful on the merits in the proceeding against reasonable expenses of the proceeding.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">The Company&#8217;s Articles of Incorporation provide that the Company shall indemnify, to the fullest extent permitted by law, any current or former legal representative, officer or director of the Company or a person serving as a director, officer, employee or agent of another corporation at the Company&#8217;s request against all expenses, liability and loss incurred by him in connection with a claim or proceeding against him by reason of his being or having been in such role. Expenses, including, without limitation, attorneys&#8217; fees and disbursements, incurred in defending or participating in such proceeding shall be paid in advance by the Company; provided, however, that such payment shall only be made upon delivery to the Company of an undertaking that such person agrees to repay all advanced amounts if it is ultimately determined that such person is not entitled to indemnification under the Company&#8217;s Articles of Incorporation.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">We have obtained directors&#8217; and officers&#8217; liability insurance. The policy provides for $10.0&#160;million in coverage, with punitive damages excluded.</div></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">II-1<br></div></div></div>
<!--End Page 308-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 309-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_400-part2_pg2"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 0pt;"><tr><td style="width: 50pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Item 21.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;"><font style="font-style: italic;">Exhibits and Financial Statement Schedules</font></div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(a)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">The following exhibits are filled herewith or incorporated herein by reference:</div></td></tr></table><table cellspacing="0" cellpadding="0" class="fintab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 10.26%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Exhibit <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">No.</div></td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 0.64%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">Description</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 4.25pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="#tANXAA2">2.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Agreement and Plan of Merger and Reorganization, dated as of August&#160;12, 2022, by and between MVB Financial Corp. and Integrated Financial Holdings, Inc. (attached as <font style="font-weight: bold;">Annex&#160;A</font> to the joint proxy statement/prospectus forming a part of this Registration Statement).</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1277902/000155837015000366/mvbf-20141231ex31ce638ce.htm">3.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Articles of Incorporation of MVB Financial Corp. and amendments thereto (incorporated by reference to Exhibit 3.1 of the Company&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2014, filed March&#160;16, 2015). </div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="#tANXAB">3.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Form of Articles of Amendment to the MVB Articles of Incorporation (attached as Annex B to the joint proxy statement/prospectus forming a part of this Registration Statement).</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1277902/000127790218000108/mvbfcamendedandrestatedb.htm">3.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Bylaws of MVB Financial Corp., as amended (incorporated by reference to Exhibit 3.1 of the Company&#8217;s Current Report on Form 8-K, filed June&#160;22, 2018).</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex4-1.htm">4.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Specimen of stock certificate representing MVB Financial Corp. common stock.</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">5.1</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Opinion of Squire Patton Boggs (US) LLP as to validity of the securities being registered*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8.1</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Opinion of Squire Patton Boggs (US) LLP regarding certain U.S. income tax aspects of the merger*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">8.2</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Opinion of Wyrick Robbins Yates &amp; Ponton LLP regarding certain U.S. income tax aspects of the merger*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1277902/000127790222000014/exhibit21-subsidiariesofmv.htm">21.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Subsidiaries of MVB Financial Corp. (incorporated by reference to Exhibit 21 of the Company&#8217;s Annual Report on Form 10-K filed on March&#160;10, 2022).</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex23-1.htm">23.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of FORVIS, LLP (formerly Dixon Hughes Goodman LLP)</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex23-2.htm">23.2</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Elliott Davis, PLLC</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">23.3</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Squire Patton Boggs (US) LLP (included as part of its opinion filed as Exhibit 5.1)*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">23.4</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Squire Patton Boggs (US) LLP (included as part of its opinion filed as Exhibit 8.1)*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">23.5</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Wyrick Robbins Yates &amp; Ponton LLP (included as part of its opinion filed as Exhibit&#160;8.2)*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="#tSIGN">24.1</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Power of Attorney (included on signature page hereto)</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">99.1</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Form of Proxy of MVB*</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">99.2</div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Form of Proxy of IFH.* </div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex99-3.htm">99.3</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Stephens Inc.</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex99-4.htm">99.4</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 6pt; background-color: #CCEEFF;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Consent of Raymond James &amp; Associates, Inc.</div></td></tr><tr><td style="width: 10.26%; text-align: center; vertical-align: top; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;"><a href="ny20005581x1_ex107.htm">107</a></div></td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 0.64%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 88.46%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">Filing Fee Table</div></td></tr></table><div><div class="rule-partial" style="height: 0pt; width: 72pt; border-bottom: 1pt solid #000000; margin-bottom: 1pt; margin-right: auto; margin-left: 0pt; margin-top: 9.75pt;"> </div></div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 3pt; margin-left: 0pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">*<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; text-align: left;">to be filed by amendment.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">II-2<br></div></div></div>
<!--End Page 309-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 310-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_400-part2_pg3"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6.75pt; margin-left: 0pt;"><tr><td style="width: 50pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Item 22.<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; text-align: left;"><font style="font-style: italic;">Undertakings</font></div></td></tr></table><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 7.5pt; margin-left: 0pt; text-align: left;">The undersigned registrant hereby undertakes:</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(i)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">to include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(ii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement; notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a twenty percent (20%) change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement; and</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 40pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(iii)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">to include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona </font><font style="font-style: italic;">fide</font> offering thereof.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(3)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(4)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of securities, in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i)&#160;any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424; (ii)&#160;any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant; (iii)&#160;the portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and (iv)&#160;any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(5)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That, for purposes of determining any liability under the Securities Act of 1933, each filing of the Registrant&#8217;s annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in this registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(6)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable form.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(7)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">That every prospectus (i)&#160;that is filed pursuant to paragraph (5) immediately preceding, or (ii)&#160;that purports to meet the requirements of Section 10(a)(3) of the Securities Act of 1933 and is used in </div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">II-3<br></div></div></div>
<!--End Page 310-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 311-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_400-part2_pg4"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.75pt; margin-left: 40pt; text-align: left;">connection with an offering of securities subject to Rule 415, will be filed as a part of an amendment to the registration statement and will not be used until such amendment is effective, and that, for purposes of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof.</div><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(8)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">To respond to requests for information that is incorporated by reference into this prospectus pursuant to Items 4, 10(b), 11, or 13 of this form, within one (1) business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means; this includes information contained in documents filed subsequent to the effective date of this registration statement through the date of responding to the request.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(9)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">To supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of and included in this registration statement when it became effective.</div></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="margin-top: 6pt; margin-left: 20pt;"><tr><td style="width: 20pt; text-align: left; vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(10)<br></div></td><td style="vertical-align: top;"><div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">Insofar as indemnification for liabilities under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is therefore unenforceable. In the event a claim of indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in a successful defense of any action, suit or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be governed by the final adjudication of such issue.</div></td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">II-4<br></div></div></div>
<!--End Page 311-->
<div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;"><div id="DSPFPageBreak" style="page-break-after: always;"><hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px auto; width: 612pt; height: 2px; color: #000000; background-color: #000000;"></div></div>
<!--Begin Page 312-->
<div class="page" style="text-align: left; margin: auto; position: relative; width: 468pt;"><a name="ny20005581x1_s4_401-sig_pg1"><!--Anchor--></a><p style="text-align: left; font-family: 'Times New Roman', Times, Serif; font-size: 8pt; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></p><div class="page-content"><div class="block-main" style="width: 468pt; margin-left: 0pt;"><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 6.75pt; text-align: center;"><a name="tSIGN"><!--Anchor--></a>SIGNATURES</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Fairmont, State of West Virginia, on the 1st day of November, 2022. </div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 6pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 6pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 0pt; margin-left: 0pt; text-align: left;">MVB FINANCIAL CORP.</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">(Registrant)</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 1.07%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 2pt;">&#8203;</td><td style="width: 45.09%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td style="width: 1.07%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">By:</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2pt; padding-bottom: 3.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 45.09%; text-align: left; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 2pt; padding-bottom: 3.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: left;">/s/ Larry F. Mazza </div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 3.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.25pt; padding-bottom: 2pt;">&#8203;</td><td colspan="4" style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 3.25pt; padding-bottom: 2pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">Chief Executive Officer<font style="font-style: normal;"> </font></div></td></tr><tr><td style="width: 48.72%; text-align: left; vertical-align: top; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2pt; padding-bottom: 3pt;">&#8203;</td><td colspan="4" style="width: 48.72%; text-align: left; vertical-align: bottom; padding-top: 2pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; margin-left: 0pt; text-align: left;">(Principal Executive Officer)</div></td></tr></table><div class="h1" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold; margin-top: 18.5pt; text-align: center;">POWER OF ATTORNEY</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Each person whose signature appears below appoints Larry F. Mazza or Donald T. Robinson, or either of them, as his true and lawful attorney-in-fact and agent, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments (including post-effective amendments) to this registration statement and any registration statement (including any amendment thereto) for this offering that is to be effective upon filing pursuant to Rule&#160;462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto, and all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorney-in-fact and agent full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he or she might or would do in person, hereby ratifying and confirming all that said attorney-in fact and agent may lawfully do or cause to be done by virtue hereof.</div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; margin-left: 0pt; text-align: left;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.</div><table cellspacing="0" cellpadding="0" class="txttab" style="margin-top: 4pt; border-collapse: collapse; width: 468pt; margin-left: auto; margin-right: auto;"><tr class="header"><td style="width: 38.46%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Signature</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Title</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 6pt; padding-bottom: 4.25pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; border-bottom: 1pt solid #000000; padding-top: 6pt; padding-bottom: 4.25pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold; margin-top: 0pt; text-align: center;">Date</div></td></tr><tr><td style="width: 38.46%; text-align: left; vertical-align: top; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 38.46%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 4.25pt; padding-bottom: 3pt;">&#8203;</td><td style="width: 17.95%; text-align: left; vertical-align: bottom; padding-top: 4.25pt; padding-bottom: 3pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 1pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 3pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Larry F. Mazza<font style="font-style: normal;"> </font></div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 3pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3.75pt;">&#8203;</td><td rowspan="2" style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Chief Executive Officer and Director (Principal Executive Officer)</div></td><td class="gutter" rowspan="2" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 3pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Larry F. Mazza</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Donald T. Robinson<font style="font-style: normal;"> </font></div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" rowspan="2" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td rowspan="2" style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">President and Chief Financial Officer <br></div><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; margin-left: 0pt; text-align: justify;">(Principal Financial and Accounting Officer)</div></td><td class="gutter" rowspan="2" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Donald T. Robinson</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ W. Marston Becker<font style="font-style: normal;"> </font></div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Chairman of the Board</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">W. Marston Becker</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ John W. Ebert<font style="font-style: normal;"> </font></div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">John W. Ebert</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Daniel W. Holt</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Daniel W. Holt</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Gary A. LeDonne</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Gary A. LeDonne</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Kelly R. Nelson</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Kelly R. Nelson</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Lindsay A. Slader</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Lindsay A. Slader</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Cheryl D. Spielman</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Cheryl D. Spielman</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 3.75pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt; padding-bottom: 2.5pt;">&#8203;</td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 2.5pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 2.5pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 5pt;">&#160;</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; border-bottom: 1pt solid #000000; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; margin-top: 0pt; text-align: center;">/s/ Jan L. Owen</div></td><td class="gutter" style="width: 1.28%; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt; border-bottom: 1px solid #ffffff;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Director</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 2.5pt; padding-bottom: 3.75pt;">&#8203;</td><td style="width: 17.95%; text-align: center; vertical-align: bottom; padding-top: 2.5pt; padding-bottom: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">November 1, 2022</div></td></tr><tr><td style="width: 38.46%; text-align: center; vertical-align: top; padding-top: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 0pt; text-align: center;">Jan L. Owen</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt;">&#8203;</td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt;">&#8203;</td><td style="width: 38.46%; text-align: center; vertical-align: bottom; padding-top: 3.75pt;"><div class="fpara" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td><td class="gutter" style="width: 1.28%; border-bottom: none; font-size: 2pt; padding-top: 3.75pt;">&#8203;</td></tr></table></div></div><div class="block-frill" style="width: 468pt; margin-top: 12pt; margin-left: 0pt;"><div class="unknown" style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 9.47pt; text-align: center;">II-5<br></div></div></div>
<!--End Page 312-->
</body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>2
<FILENAME>ny20005581x1_ex4-1.htm
<DESCRIPTION>EXHIBIT 4.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">
  <div style="text-align: right;">
    <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"><font style="font-weight: bold;">Exhibit 4.1</font><br>
  </div>
  <div style="text-align: center;"> <br>
    <div><img src="ny20005581x1_ex4-1img1.jpg" height="800" width="618"></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div>&#160;</div>
    <div><img src="ny20005581x1_ex4-1img2.jpg" height="800" width="618"></div>
    <div>&#160;</div>
    <div>
      <hr style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
    <div>&#160;</div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>ny20005581x1_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">
  <div style="text-align: right;">
    <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"><font style="font-weight: bold;">Exhibit 23.1</font><br>
  </div>
  <div><br>
  </div>
  <div style="font-family: 'Times New Roman',Times,serif; font-size: 16pt; font-weight: bold;">Consent of Independent Registered Public Accounting Firm</div>
  <div><br>
  </div>
  <div style="text-align: justify;">We consent to the incorporation by reference in this Registration Statement on Form S&#8209;4 of MVB Financial Corp. and Subsidiaries of our reports dated March 10, 2022, with respect to the consolidated financial statements
    of MVB Financial Corp. and Subsidiaries and the effectiveness of internal control over financial reporting, included in MVB Financial Corp. and Subsidiaries&#8217; Annual Report on Form 10&#8209;K for the year ended December 31, 2021. We also consent to the
    reference to our firm under the caption &#8220;Experts&#8221; in this registration statement.</div>
  <div><br>
  </div>
  <div>/s/ FORVIS, LLP (Formerly, Dixon Hughes Goodman LLP)</div>
  <div><br>
  </div>
  <div style="text-align: justify; font-weight: bold;">Tampa, Florida</div>
  <div style="font-weight: bold;">November 1, 2022</div>
  <div><br>
  </div>
  <div>
    <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>ny20005581x1_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">
  <div style="text-align: right;">
    <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"><font style="font-weight: bold;">Exhibit 23.2</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="text-align: center; color: #000000; font-weight: bold;">CONSENT OF INDEPENDENT AUDITOR</div>
    <div style="text-align: justify;"><br>
      We consent to the use in this Registration Statement on Form S-4 of MVB Financial Corp. of our report dated March 30, 2022, relating to the consolidated financial statements of Integrated Financial Holdings, Inc. and Subsidiaries, appearing in this
      joint proxy statement/prospectus.</div>
    <div><br>
    </div>
    <div style="text-align: justify; color: #000000;">We also consent to the reference of our firm under the heading &#8220;Experts&#8221; in such Registration Statement.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">/s/ Elliott Davis, PLLC</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Raleigh, North Carolina</div>
    <div style="text-align: justify;">Date November 1, 2022</div>
    <div><br>
      <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
    <div><br>
    </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>5
<FILENAME>ny20005581x1_ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">
  <div>
    <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade">
    <div>
      <div>
        <div style="font-weight: bold; text-align: right;">Exhibit 99.3<br>
        </div>
        <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-weight: bold;">&#160; </font><br>
        </div>
      </div>
      <div>
        <div style="text-align: right;"><img src="ny20005581x1_ex99-3img1.jpg" height="37" width="117"></div>
      </div>
      <div>
        <div><br>
        </div>
        <div style="font-family: 'Times New Roman', Times, serif; font-weight: bold;">CONSENT OF STEPHENS INC.</div>
      </div>
      <div>
        <div><br>
        </div>
        <div style="text-indent: 24.5pt; font-family: 'Times New Roman', Times, serif;">We hereby consent to the inclusion of our opinion letter to the Board of Directors of MVB Financial Corp.&#160;&#160; (NASDAQ: MVBF) (the &#8220;Company&#8221;) as an Annex to the Joint
          Proxy Statement/Prospectus relating to the proposed merger of Integrated Financial Holdings, Inc. (OTCQX: IFHI) with and into MVB Financial Corp. contained in the Registration Statement on Form&#160;S-4,&#160;as filed with the Securities and Exchange
          Commission, and to the references to our firm and such opinion in such Joint Proxy Statement/Prospectus and the Registration Statement. In giving such consent, we do not admit, and we disclaim, that we come within the category of persons whose
          consent is required under Section&#160;7 of the Securities Act of 1933, as amended (the &#8220;Act&#8221;), or the rules and regulations of the Securities and Exchange Commission thereunder (the &#8220;Regulations&#8221;), and we do not admit that we are experts with respect
          to any part of such Joint Proxy Statement/Prospectus and the Registration Statement within the meaning of the term &#8220;experts&#8221; as used in the Act or the Regulations.</div>
      </div>
      <table style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zfea2e83e21324513b591bbf452b76caa" cellpadding="0" cellspacing="0">

          <tr>
            <td colspan="1" style="width: 50%; vertical-align: middle;">&#160;</td>
            <td style="width: 6%; vertical-align: middle;">&#160;</td>
            <td style="width: auto; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">STEPHENS INC.</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: middle;">&#160;</td>
            <td style="width: 6%; vertical-align: middle;">&#160;</td>
            <td style="width: auto; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 6%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">By:</div>
            </td>
            <td style="width: auto; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman', Times, serif;">/s/ Nate Mittag<br>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 6%; vertical-align: top;">
              <div>&#160;</div>
              <div>&#160;</div>
              <div style="font-family: 'Times New Roman', Times, serif;">Title:</div>
            </td>
            <td style="width: auto; vertical-align: bottom;">
              <div style="font-family: 'Times New Roman', Times, serif;">Nate Mittag</div>
              <div>&#160;</div>
              <div style="font-family: 'Times New Roman', Times, serif;">Managing Director, Investment Banking</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 6%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">Date:</div>
            </td>
            <td style="width: auto; vertical-align: bottom;">
              <div style="font-family: 'Times New Roman', Times, serif;">November 1, 2022</div>
            </td>
          </tr>

      </table>
      <div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
      <table style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z5d3607d72e2942f4ae7d01f1977b452d" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18.99%; vertical-align: middle;">&#160;</td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 27%; vertical-align: middle;">&#160;</td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 23%; vertical-align: middle;">&#160;</td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 28%; vertical-align: middle;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 18.99%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">Stephens Inc.</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 27%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">111 Center Street</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 23%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">501-377-2000</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 28%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">www.stephens.com</div>
            </td>
          </tr>
          <tr>
            <td style="width: 18.99%; vertical-align: top;">&#160;</td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 27%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">Little Rock, AR 72201</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 23%; vertical-align: top;">
              <div style="font-family: 'Times New Roman', Times, serif;">800-643-9691</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-left: #000000 2px solid;">
              <div style="font-family: 'Times New Roman', Times, serif;">&#160;</div>
            </td>
            <td style="width: 28%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
      <div>
        <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
    </div>
    <div><br>
      <br>
    </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>6
<FILENAME>ny20005581x1_ex99-4.htm
<DESCRIPTION>EXHIBIT 99.4
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">

  <div>
    <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>

  <div style="text-align: right; font-weight: bold;">Exhibit 99.4<br>
     </div>

  <div>
    <div><br>
    </div>
    <div style="text-align: center;"><img src="ny20005581x1_ex99-4img02.jpg"></div>
    <div><br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">Consent of Raymond James &amp; Associates, Inc.</div>
    <div><br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;">Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;) consents to (i) the inclusion and description of our opinion letter dated August 10, 2022 to
      the Board of Directors of Integrated Financial Holdings, Inc. (the &#8220;Company&#8221;) included as Annex C to the joint proxy statement/prospectus relating to the proposed merger of the Company with MVB Financial Corp., which forms a part of the Registration
      Statement on Form S-4 filed by MVB Financial Corp. on the date hereof (the &#8220;Registration Statement&#8221;) and (ii) the references to our firm, our opinion and the description of our opinion included in such Registration Statement.</div>
    <div><br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;">In giving such consent, we do not admit that we come within the category of persons whose consent is required under Section 7 of the Securities Act of
      1933, as amended, or the rules and regulations of the Securities and Exchange Commission promulgated thereunder, nor do we admit that we are experts with respect to any part of such Registration Statement within the meaning of the terms &#8220;experts&#8221; as
      used in the Securities Act of 1933, as amended, or the rules and regulations of the Securities and Exchanges Commission thereunder.</div>
    <div><img src="ny20005581x1_ex99-4img01.jpg" height="52" border="0" width="250"></div>
    <div style="font-family: 'Times New Roman',Times,serif;">RAYMOND JAMES &amp; ASSOCIATES, INC.</div>
    <div><br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;">November 1, 2022</div>
    <div>
      <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
  </div>


</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>7
<FILENAME>ny20005581x1_ex107.htm
<DESCRIPTION>FILING FEES TABLE
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge
         Document created using Broadridge PROfile 22.10.1.5080
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;" bgcolor="#ffffff">
  <div>
    <div style="text-align: right; font-weight: bold;">
      <hr style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade">Exhibit<font style="font-weight: bold;"> </font>107</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Calculation of Filing Fee Tables</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Form S-4</div>
    <div style="text-align: center;">(Form Type)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">MVB Financial Corp.</div>
    <div style="text-align: center;">(Exact Name of Registrant as Specified in its Charter)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Table 1: Newly Registered and Carry Forward Securities</div>
    <div><br>
    </div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zb6a5549708e44612a0478f6551c2bcb6" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Security Type</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Security Class Title</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Fee Calculation or Carry Forward Rule</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Amount Registered</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Proposed Maximum Offering Price Per Unit</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Maximum Aggregate Offering Price</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Fee Rate</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Amount of Registration Fee</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Carry Forward Form Type</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Carry Forward File Number</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Carry Forward Initial effective date</div>
          </td>
          <td style="width: 7.69%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward</div>
          </td>
        </tr>

    </table>
    <div style="text-align: center;">Newly Registered Securities</div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zda1c6ff3dbb74cca89ca7987b3eaae9a" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Fees to Be Paid</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Equity</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Common stock, $1.00 par value per share</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">457(f)</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">2,937,336<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (1)</sup></div>
          </td>
          <td style="width: 7.17%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">N/A</div>
          </td>
          <td style="width: 8.22%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">$73,312,010<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (2)</sup></div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">0.0001102</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">$8,079<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (3)</sup></div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>&#8212;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Fees Previously Paid</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.17%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 8.22%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
        </tr>

    </table>
    <div style="text-align: center;">Carry Forward Securities</div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z380efe5f928c4150a436135ea26a627f" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Carry Forward Securities</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#8212;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td colspan="4" style="width: 30.76%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Total Offering Amounts</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">$8,079</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td colspan="4" style="width: 30.76%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Total Fees Previously Paid</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">$0.00</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td colspan="4" style="width: 30.76%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Total Fee Offsets</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">$0.00</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 7.68%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td colspan="4" style="width: 30.76%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div>Net Fee Due</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: right;">$8,079</div>
          </td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 7.69%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb4e866ee71fa41a18bb27e67591b04af" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: -27pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This represents the maximum number of shares of MVB Financial Corp. (&#8220;MVB&#8221;) common stock to be issuable upon completion of the merger described herein. This number is based on an amount equal to the product of (A) the sum of (i) 2,260,949
              shares of Integrated Financial Holdings, Inc. (&#8220;IFH&#8221;) common stock outstanding as of October 31, 2022 (including 66,508 shares of IFH common stock granted in respect of outstanding restricted stock awards), and (ii) 166,601 shares of IFH
              common stock that may be issued to the holders of options to acquire shares of IFH common stock, multiplied by (B) 1.21 Pursuant to Rule 416 under the Securities Act of 1933, as amended, or the Securities Act, this Registration Statement also
              covers additional securities that may be issued as a result of stock splits, stock dividends or similar transactions.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z400615bbfbe64f57a3e277efe7dfc291" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: -27pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Estimated solely for the purpose of calculating the registration fee required by Section 6(b) of the Securities Act of 1933, as amended, and computed pursuant to Rules 457(c) and 457(f) thereunder, on the basis of the market value of the
              common stock of Integrated Financial Holdings, Inc. to be exchanged in the transaction, computed, in accordance with Rule 457(f), as the product of: (i) $30.20 (the average of the high and low prices on the OTCQX(R) Open Market of Integrated
              Financial Holdings, Inc. common stock as of October 28, 2022, a date within five business days of the filing of this registration statement,); and (ii) 2,427,550 (the estimated maximum number of shares of IFH common stock to be exchanged for
              shares of MVB common stock in the merger).</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z92eb75fca73746968cdbad5cea48017c" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: -27pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The registration fee of $8,079 for the securities registered hereby has been calculated, pursuant to Section 6(b) of the Securities Act of 1933, as amended, as $73,312,010 (the proposed maximum aggregate offering price) multiplied by
              0.0001102.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>
      <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;" align="center" noshade="noshade"></div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>logo_elliottdavis.jpg
<TEXT>
begin 644 logo_elliottdavis.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
M                                                          !8
M65H@        ]M8  0    #3+71E>'0     0V]P>7)I9VAT($AE=VQE='0@
M4&%C:V%R9"P@,C P- !S9C,R       !#$0   7?___S)@  !Y0  /V/___[
MH?___:(   /;  # =?_; $,  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! ?_; $,! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! ?_  !$( $X""@,!(@ "$0$#$0'_Q  ?   !!0$!
M 0$! 0           0(#! 4&!P@)"@O_Q "U$  " 0,# @0#!04$!    7T!
M @, !!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F
M)R@I*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
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MLD321(@21D>#0?C5\8?"OB'3_%OAKXJ_$;0/%.DECI7B71_&OB33M?TQGA>
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MBBB@ HHHH 3(]1Z=>_I0&4D@$$@D$#L1U'X5^4__  5H_P""CVK?\$T/@O\
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M;,\'BZ];#4*KG6H<WM8<E2/+RS4)>]**C*TG;W6S[3HHHKY@[PHHHH ****
M"D) ZD#J>2!P.I_#(S]:6OP0_P"#BOXV_&'X"?L)^$?&7P4^)OCGX4^*]1_:
M-\ ^&;[Q)X \2ZIX3UVYT"]\%?$S5;S1VUC1;JSU"*PNK_1=+N+F*WNH1,;.
M))2T6]&]/)<KJYUFV7910J4Z-;,<71PE.K5YG3ISK34(SFHIR<4WKRILY\5B
M(X7#5\3*+G&A3E4<8M*4E%7:3>EWYG[V"2,L%WKN/09P3ZX!ZX[XI]?Y\O\
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M^FG5Z_LD_P"#E/\ Y1A>*?\ LLOPB_\ 3MJ%?QM_\$<O^4GO[%W_ &673/\
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M^R_^"$?_ "E@_9$]M;^)?_JD/B6?ZU_IEU_F9_\ !"+_ )2P?LB_]ASXE_\
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M[[<959\DU"TDK1:]VZ?G<_U&Z^</C]^U_P#LO_LLZ;)J?[0GQV^&OPI"Z?\
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M$H;=HUA_:=NK\,I+26GP2^/:+&0<;9!?_#.R<L1\P\I'7'5@>*_EA_XAK?\
M@IHQ+#0_@FH.-H'Q:L>%  4$C1TW-@?,VT%FRQ&2<'_$-9_P4U_Z OP5_P##
MM67_ ,J:^8J\&^#]6K5JXCCW'UZM6I*I5J3S++ZDJE2<N>525199)RG-N4I2
M<FW)OF>K2[H9CQ(HQ5/*:,(12C&/LJL;15DER^V7*K+16LK]D?HM_P %KOV]
M?^"8/[??[)W]E_"KXZ6VO_M!_"KQ):>,/A0U]\(?BYH,FJV5_/::/X[\$OXG
MU_X=V%KI.FZ]HS6NO>6;VW@O?$_@[PJFHW%MIL=Y=0_@'_P2B_:2\0_LM_M^
M?LW?$#2]1-CH?B'XB^&/A;\189)'CLM0^''Q+U_2_"_B@7L2,AN!HT5W:^+-
M,A>6.#^V_#^ES3B6&)XG^Y?^(:O_ (*:#G^Q/@KWZ?%FRSSP>FDYY!P?:K^G
M?\&VW_!3BTU&QO%T?X+126EU:S1SM\5[=C;M;R(T4X":078VQ59(T"N"8U0H
MR91OM\GQWAQDG#>8<+X?C"AC<MQ]+%04<RQ5*K.@L73=.M3HNCA</"-)MNK%
M--JM*4KI2T\W%4<\Q6-P^.>6NE7HNF[THM*;A)-.2G*>J6E^D=+-QN?KI_P=
M>\_L^?LF_P#99/&O_J$PU^-O_!M;_P I/?"O_9&_B[_Z:+"OUU_X.E;+7-,_
M96_8KTWQ/K<7B7Q+I_Q'U^R\0^(X--BT:#7]<M/AS8P:MK<.CP37$.E1:K?Q
MW%]'IL,\\5BDXM8YI4B#M^17_!M;_P I/?"O_9&_B[_Z:+"O%X;27@EFJ34D
MLOXB2DKVDEB,4KKF496>ZYHIVW2>AZ6+_P"2BH:6_>X31VNO<AH[-K[FUYG]
M+?\ P<I_\HPO%/\ V67X1?\ IVU"OXV_^".7_*3W]B[_ +++IG_IIU>O[)/^
M#E/_ )1A>*?^RR_"+_T[:A7\;?\ P1R_Y2>_L7?]EETS_P!-.KTO#3_DU?$O
MKQ%_ZJ* 9M_R/,'ZX/\ ]/L_N)_X. _^41?[6O\ W0;_ -::^#%?P)?\$Z/^
M4@_["?\ V>3^S#_ZNWP/7]]O_!P'_P HB_VM?^Z#?^M-?!BOX$O^"='_ "D'
M_83_ .SR?V8?_5V^!Z?A#_R;OB7_ +&6<_\ JCRP,]_Y&V"_Z]8?_P!2:Q_6
M]_P=/_';5_"'[./[/G[/VD7DME!\:OB)XG\:^)S#<3Q#4/#WP<TW1(8-#O(H
MF$5Q9WGB7XC:#K:Q7*E1?>&+.ZB^:T=X_P"=[_@A_P#L:^#?VU/V]?!W@CXG
M:?8:]\,/A=X+\2?'#Q[X5O)9XHO%VE>$M4T'P]H7ARX,$L;3V=WXZ\9>$KC7
M+)B(=2\,VFK:=)\MV67]9/\ @[!TS5;;XJ?L<:X^H(^C:M\//BWHUGI:PNLM
MI?Z'XF\$W^K7LEQYQCFAU.'7M!B2 V\;V\NBF433"X"0>3_\&KOB'POIW[8?
M[0'AK4A:IXL\2?LZF_\ #%U,L"ROIFA?$/P?)XETBTN)62=KFZ.J:'J<EA:K
M)]HM=#NKV0>7I9=-^'ZD\D\$,3F&62E#&XC"9E7GB*%XUH5:V8U,#.KS*THS
MPN'2Y:B:E#V49P>S.3%I8GBFG0K\KIQG12ISLTXTZ<:B2OTJ3>JV:DT[WL?W
M/Z'H>D^'=+T_1]#TVRT;2=,LK?3].TG3+2VL-.TZQM8HX+6RLK*SA@MK2UM8
M8TAM[>WBCAAC 1$"JH&J5#=<]"O4XPW!XSC/N1D=NIIU%?RVVVVVVVW=MZMM
M[MOJV?>;;'\1G_!SA^PQ\/\ X8>)OA=^V3\-=$L?#%Q\7?%6I?#OXO:9I&B7
M5KINN_$"32]4\7:)X\O;^WE_L2U\0>(=*TGQ!;:W!]BL+_7KG2#X@FEU6].N
M74'S7_P;5?&*;P]^VAXW_9T\0:9HVN_#?]HKX6ZS#XCT+7K+1[ZRD\2_#A+G
M7O#%Q<VNL7"I=6\FE:EXLT6ZTFTM-3N+NYUBQFN+-;33+B[M/V<_X.F_%ECI
MG[#GP9\'B]T]=:\5_M.^&M4MM,FNH5U2XT'PM\-/BA'K>I6%AYR74]GIVJ>(
M?"]EJ-\D,]I82:U86UT8;C5=/+_S:_\ ! [2-2UG_@JU^RM_9\#2Q:-=?%;6
M=3E6*0PVFFVGP2^)(>ZO)HD?R(VNY[33K:2?;"^H7]C:!TDN4W?U+PW4K9SX
M*YI#,Y^U6#R[.HX:M6;G-4\K4\5@91DVFIX:M2A2HRYFXQI1U=E$^"QT50XI
MPTJ/N\]7"N<8V2;JN,*B>RM4BY-]/>;U/Z'/^#H;P=X-\-?L<?!76M&\)>&]
M*UG6?VH-*BU;5]*T/2]-U34I9?A#\3D$^HW]I:1W5^ZFRM%87<LP>.WA1LF&
M%H_Y]/\ @@#8:=JW_!5O]FVQU33;74+.33_C7-]DNK:.[M(YH?@5\29X99(;
MCS(F\J2WB,,DB2.EP('1ED1'3^BO_@ZEY_8E^ 1((S^U/H>0>HS\)?BOP<=Q
MTX/TK^>C_@WF&?\ @J_^SP3S_P 2#XVD$\X/_"D?B !@GIPS=.N3FLN#)R_X
M@IQ#-RE)QP/$L4W*7,DL--0LWJN5ROW5K*Q69Q7^M&"5E;GP5UWYIM?/1+5G
M^C9_PAOA'_H5O#O_ ()=-_\ D:HW\'>$>,>%_#PSGIHNF^W_ $[?E745')V_
M'^E?S#[2I_S\G_X%+_,^YY(?RQ_\!7^1_E%?\%!])T;0/V[/VP-%T;2['1M%
MTW]I3XQVEGIFDVT-A96=G'\0->9;>RM(8_LEG!#&?*M[>VMX[:"-46.  $-_
M<W_P0A^"OP:\8?\ !*K]EWQ)XI^$OPU\1Z_J<GQP.H:WKO@;PSJNK7WV/]HO
MXN:?9F\U"^TRXN[@VMA:6EC;^=-)Y%G;6]K$5@@B1?X9O^"BT[W7[??[;8*@
M-;_M8?M :<H3)\Q=*^*OBK38Y,')#S):+(RC(5W*KD 5_?+_ ,&_A!_X)'_L
MG>S_ !X!^O\ PTM\8S_(BOZ>\7*E2EX>\)U*=6I"I+&96I3A4E&;YLEQDI<T
ME)-\THQ;ONXI]#X7AR,7F^81<8N/+BW9I-7CBJ"3VZ)M+R9^FUA\ /@7I.H:
M?JVD_!KX5:5JFE7EKJ.FZCIWP\\'VE_8:A931W-E?6=Y#HRW-K>6EQ%'<6MS
M!+'-;SQI-$Z2HKCURBBOYBJ5:M5IU:E2HTK)U)RFTNR<F[+R1]VHQC?E2C?5
MV27Y#7+!24&6QP/?_P"MUK^(_P#X.H_CUXCOOC/^SK^S- #:^%?#'PXO/C;J
M;[HB^K>(O&OB+Q)X(TN/8;+SK>+0-+\$ZJ$GBU)X]0;Q%+%-8P2:6EQ<_P!N
M)]O4?S&?TK_/J_X.=]-UZQ_X*-^'[S54M5TS6/V;/AI>>&'MFF,CZ3;>*_B1
MIUV-0$DCHM\GB&TUO:L"Q1#3GT]VC,\DTLGZCX,X:EB..\#.KR-X3!X_$T8S
MM[U94?8QY-5[\85YU-;I1A)VNKKP.)JDH9354;WJU:--M.UH\_.[OM)P4-=&
MY(Y;_@W\_P"">G@C]M/]HKQI\0?C/H*>)/@M^SQI_AC7+OPS.\<>G^,/B3XC
MU&Z_X0K0M=1K62;4O"MCINB^)]>U[2(+RRCU*]L?#MCJBW^CW>H6%Q_H8:7I
MUAI&GV>F:7;6]EIUA;0V=C9VD$-M:VEI;1K!;6MK;6\<5O;6UM#&D-O;P11P
MP0HD42(BJH_DC_X-1O%/AF;X<_M>^"[6PAB\6V'C/X2^)M5U$).;O4-#U;1_
M&NEZ5:2RLGV;['H][HNKW%JBRFX\_7+_ ,R-8S 7_KH12JA3U&?U)-9^,&9X
M_&\;YE@\5.HL-E:PV&P6'<G[.G">#PU>I5C%-PYL14JRFYI*4J:I1>D(I5PW
M0I4LJP]2"BYUN>=2:6KE[2<5%NU[144DMD[OK<5T5QM89'7\>GTZ$]:_EO\
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M_P $((Y)/^"L'[(ZQ@LXUCXHR8'7;#\"_B;,YYZ[41FQWQCDU_6S_P %PO\
M@K!K'_!/SX;^'/A=\&#I=W^TS\9--U&]\-ZGJ5KIFKZ=\)_ ]H[Z==?$74-#
MU!IX=8\07VL>;I/P^TC4M+O_  O=W^E>(]7\2B]L_#D7A;Q3^K^*F!SG,O$G
MA_!\/RK4\VJ9)A'A:U"M+#SPSCC,TE4Q$L1!J5&G2IJ<ZE1>]RIQBI2<8R^>
MR"MAL/D>-JXM1EAXXN:G"<5-3OA\(E#D>DG*5DH]7;5;FWX:_P"">O\ P1M_
MX);>(O#'[1_BRZ\+?#7QQX(GUG5_ WCCXR?&OQ/?:NE[-H6JZ7?IX5\ 2>(;
M;1O&6M0:1JUX-+M+#P+XBU^QO1:ZEHB0:U:VEW'YU\6/^#E7_@G#\.M2GTKP
M;<?&OXY21V$LL6L?#GX;Q:+X:;4T$BQ:9/>?%?Q#\.M=1#,J+-J%AX:U.T6!
MC<6C7A"P/_#MX,\!_M1_M\_M!-H7A>U\;_M!?'_XGW]SJ5[>ZMKEO=ZUJ\EI
M91B[U;7O$OB75+32-'TK2]+LX(9K_6-5L-(TC3K2UL_/M[:"VA']"?P0_P"#
M5W]H3Q/8+J7Q_P#VC_AE\)6FM=*N;?0/AWX8UWXOZRCS1ROJFGZY>:KJ/PRT
M72[VS(MHDN=$O_%VFW%Q->&"<6MI:R:AU9OP;PAE%2ABO$CCC,\US?ZO!QHR
MQ56<X4'.7N4<.J6/S)X:-2=7V=13P]&;]I4=&$^91RP^9YEBHRCDN5X?#X;G
MUJ."2<O=5Y34J=)RY5&\>6<EHN9V3?T3KG_!V'X6A,:^'/V'-?U3=;VS3'7/
MV@M/T'RKMDD:[AC73_@[XD,]O;R"$6UPS6\MVKR-+:V)B5)?Y:OVT/VB[;]K
MC]IOXM_M'VWP^T[X5GXKZ[8>(;SP-I6L-X@L=*U2+P_H^DZM=QZR^EZ))J%Q
MKVIZ;>^(+Z9](LRM[JDT9$[*]U<?VF>!O^#7_P#8%\/K83>+O'O[1WQ#U**W
M1-0AO?&O@WPUX>O;H6\T4MQ!I_AWX?VNNV,)DE6YBMCXIO&CEMK6.2XF@^UQ
MW?\ ')_P45^#/@+]GS]MS]I?X,?"_2+SP_X ^''Q0U7PUX4T6]U2^UR;3M(@
M@MIK>W?6-3NKW4KT R.\$NH7EU>O;/']IF-PDR)]/X;8GPYK9SC:7!F"S*EC
MZ>6S>)Q>+J8OV%7"?6,-"4%#$XRK^\=:5*:?U6E91E::OR2X\YIYW'#4Y9E5
MPTJ3JIPIP4.:,^66MX4H^ZH\T6O:2O>[3:NO[;_^#:DW9_X)E:%]IN6G@_X7
M3\5_[/B81@6=I]KT<26R%(T9D?4!?WH,K32![QU$HB$4,7X<?\'.G[%DWPJ_
M:1\&_MB>$=)>/P-^T;IUMX8^(-Q;K*]MI7QH\#Z1#96\]P!!%9Z?'XY^'UAI
M5UIEK#)-<:CK/@OQSJ]YLDN5:;]R_P#@VL_Y1C>&?^RQ_%G_ -.MA_C7Z&?\
M%*OV/-,_;H_8T^,?[/\ )#IZ^+]5T3_A*/A1J^H) J:#\5_"._5_!=V+Z:WN
M7TJSUB\BF\(^(M1M(7O(_"7B7Q#;P*YN2C_D6'XD?"_BQG&85)\N"K9]F> S
M*[:C]1Q.-E&=25M_JU2-+%6WDZ%OM,^DAA/KW#^%I)7JQPE"I2;_ .?D*::2
M[<T6Z?DI>1_(A_P;)?MEO\(/VI_%G[)_BO5&A\#?M-:,VH>#H[F8BTTGXR^
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3[8(Q].2<>O/<YDHH **** /_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>logo_integratedfinancial.jpg
<TEXT>
begin 644 logo_integratedfinancial.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***0
MG';VX_K[4 +111SW_GG^@I7UMK]SM]_]>8;A132<?XG(_H1^O-.SQD<_Y[?T
MHYE9N^B]>O\ 7R **3/)'I_6EI[@%%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !117SG\9?CS8?#Q3HFAPQ:QXON4V+9[W>VTO>,)->&)6<RL9%\N
M!02Q WX0,: /HB25(@&D954G&YF"@'G.2Q  &#DYX]*J+JNFNYBBU"QDF /[
MI+NV:3/^X)0?KG%?EIK.I_$?Q].;[Q;XDO8(Y%#PV%M*ZV\0.5"I9Q-:6\'
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@#SWXH^-HO '@S6/$3%#<6]NT%A$_(DU"X'
MEVNX#DJCGS'4?>52.:_-?PU9W6JW-YXKUR22[U+5;RYNDDN!F11-(23+NX,H
MR1&R?((@@7D-CZB_:_U"X3P_X2T:*3;'JFMW,MP"<;ULXHA$O/7#7 )_3H2/
M#K:(6\%M;@86*WBB"CINC13NZXR=S>_/'<TTKW\E?\BN6T4T][W]$U]^K+
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MBO\ +._:4EU_X5_$;X8?'[P!>OX?\9^&?$VF7ECK%B3'-::YX=O++5M U0D
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M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHJM=W=M86TMW>3PVUM
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MOM>Z?@JP<1",YVA\JP'JEK^QUXCF7-]XTT:U. 1':Z5=7(!P!@E[RW# =,@
M$=O6K/R5]=;?K_3U\RO9P3:Y]FKOFOKHWLOPT7D;5C^V?(&4ZEX&5XLGS'L]
M7\@Q#MN%Q;7 9A_$ 0"> :]/\.?M7?#?6)5@U3^T_#DLKJ$?4((I[3!;'S7-
MK(YC7D O-$BJ.I&<CQ&\_8[\401R/IWBW1+^7!"Q7&G7-BC$<8)6ZN<'U !V
MGIGOX[XJ^!/Q-\)*TM[X>?4K5,M]MT287\"*,DAMB)<Q$8Y,L(  &<T6?_#6
M>WI^8*G"3LIZ]$GO:S?V=N[]3]5]'\0:)X@M4O=%U2RU*UD4,LMI.DHP0"-R
MJ2RGG^)17YN?M+_$+_A*O'$NB:?.S:1X6_T*-E=A'<ZD6#WLP4-L)@F B1]H
M(*9 '0>#:+XC\1^%KN6?1M6U#1KM=Z3)%-<0<D%&CE@*E2Q!()9 1V(Q60&E
MFEEGE9I)KAYI9))6#%Y+AR\Q/S;BS,2P!5>3G/7$MNRY)\DKQ:EH[.+4OFG;
M7LGUZW"DXR4W=JS=^B5DOP=OF9MY86>JVUQI]];6U[97D#VMU974,=Q;W=I*
MHBEM)H)8WB:"42!#',3'(<*JAP#7YU?M ?\ !MUX8^./A^^^*_P!\;1_ [XC
MZ[>2:O:>!]8LKJZ\!WD,JF17C?3LZMX8NKJX'F*L*WUK! X*V*' K]TOV<O@
ML/%E^GC/Q+;D>';"0KI=G)&5;5[N-@WF3EMH^RV;QQR';N$[$1GA,U^CB(J(
ML:+L1 %4)@* O&U1V Z 8[5Z>59QFF2U)ULOQLJ<ZDXSK1E&-2C)JS<'3E[K
MA+2Z6KLG?<X<;AL-C%R8BE"HE)--KWHNSBK2WT4FM=-=5=7/\X/XF?\ !,7_
M (+#?LOW T]O@_XL^*GAF&26#3M>^&]QIWQ4TNZMK=@1+-9Z5-<^*]&C:-4\
MB'Q!HVDR2*1';!V!4>*6GPC_ ."IVOW#Z/HW[)GQP;4DD2,K;_!/QFLFZ9@R
M$S7&CM!'UQO=U50>2JYK_3J)Q@?-VY S^9/Z\4#/?'X9_K7WE+Q2S-1C*OE>
M6U\1&-E4C&I0@]$G*5&,IIR3U^.*ULEH?/SX7PDI\\<1B(Q;=Z=XN-M+):*W
M:[NVM_/_ #\/@]_P0._X*=_M+W%EJ?QVU32O@/X.NYHI9U\=:];ZOKRV,\B-
M,;+P)X1O]0:.[6/Y$M/$-UX?".096VH\;?U;?\$]?^"2/[+/_!/NP35/!&@-
MXY^,%[IZ6VN_%_QC96UUXD99$5+JR\-P>6UGX2TFX9 7L]*6&ZN(QLOKBX0_
M/^K)],9_+]>:3DY'/_ @-O7VYKY?..,L]SJ%2A7KPP^%F_>P^#@\/&3NFXU9
M*4IU:=DDHWMOHTT>G@\HP."E[2G3<JJ5E4J/F:5DDHI))6U>JO=WN]AD84 @
M$-@D8QC:#T7GMC\ .!Q4F 1@@$>F!BC/7/&#C)XS]*6OF+::I;?+_ACT[]0H
MHHI@%%%% !11D>M% !129'J/SI: "BBB@ HHR/7KT]Z* "BBB@ HI-P(SG@'
M&??I2Y'K0&VX449'KTZ^U% !1110 444$X!)Z#DT %%)D>O;/X<?XB@D 9)X
MZY_7^5 "T4 @]** "BBB@ HHHH **** "BBB@ HHHH **** *]U=6]G;S75U
M-'#;V\4DTTLC!4CBB&9'9B0 JCJ3P.]?F7\>OCG?>/-0F\->';F6R\):?<F.
M1XF*MK,T;A6FNF!^73T(;; ,.R!VR5*@>P_M5_%1K"V7X>Z+<[+N^B-QXAGB
M8[H;$;#!IN],%6NF+/*H.YE39T.!\P_![X77_P 3/$XM'#VFB::Z7&LW=HP8
M1QY0PP0DC8\ERO"L?E(,BD K@TDW=+HN9MM))*UVV]%9OO\ =J5R2M>RM9O5
MI:*VUWJ^R7O/9*Y8^%OP9\1?$J]\VV_XE6@6]QMNM:EC)1@2-T-FC$12W(0D
M*>5$>U>9-H/W7:Z)\'?V?_#;ZQJT^CZ'!:1DWOB#6KJ!;RX< DNLEP?-#2%N
M+6!<J6"*AR .$_:)_:(^&W[)OP[M!);0/JES&]IX1\)::ZK<:C=)&WES3;,&
M*R65$>ZOG!V/A4(D>*OP)\8^*/B]^U?XG'BSXD^(+BW\/)/<?V/IJR%=*TVT
M:4DV6E6,C.AV&*,O=SK+=RO^\,W*JGN93D=?,+5JC]CA$VW5GHJB5KQIZZO7
MTOU/R#Q#\5\NX-J1RK T'G/$F(C'V664I6HX;GLXULQK6Y<-!)WC%OVDE;W8
MIIO]1OB7_P %6?AGX<N[[2_A[X2U?QQ>PLT4=_),='TS>K,JM&)[22[FB!4.
M"(,%7RM?+&I_\%._VIM6F,OASX>^$-+L@695FT#6-8=$))023F\TP.Q&&)$,
M8&=HSC>WD7AGX<>%?#$""PTJS>[VD27]Q L]W,>@>267>V[: .I 4*!P *[E
M8E10$54P!MVJ%QUR#C 89)QD':, <"OL*64Y'02Y<#+$[7E7J?$]FTHNR5[M
M)/UU/P#&\?>)V;3=:OQ2LFIN3=/!Y-A,/!TXW3C"IB:U.I5J2BO=<N9*5KKI
M;L-&_P""I7[1>@RQ3>-/AKX8UFPZ2?8-)UCP_<* ,;HYGEU6,CI@"%CC&)#U
MKZ^^$_\ P5$^#'C:XM=*\=:9J?P_U"Y=85N+Z5-1T47)(&R2[MHH'A(+ M]H
M@10 <X[?!10D.K896+ _*OS'J3T]3TX'X<5Y'X\\!^#[W3Y;R?3XK759FV6U
M]8A;*XDDR2YE\I &4+A6;;O]"*RK97DF*T^HO!WLE.C4E9=.9Q;::W;MNKZ)
MHO+O$/Q0R>M3G0X@H<04FGS8+.\'3A*:NFXQQ>$C"HZDOAA*248O67-L?IC\
M=/'7A?Q]XU&H>$_[,N='LK-;&'5=,$+QZQ.Q\V>ZDGM]JR-&S""'AB(@0W/3
MR=;>80)>>5,MJ)EA-PJ,L:S;=P3SC^[#[?FVD\H6 &XC'YA>%_&'C3X/:FLM
MM+<ZCX8:1!<Z6[2S611I,RR1*6,=I<2<LLQV+NVM)A,U_1U\!]2^"7QT^!FG
M67@R*"]T5[=(M7MIQ&-:TCQ'Y8ENWOB,NEXERYEM2&\NXMPC1?NB*^5SK(L3
ME<J=1SIU\)5UHU:<;\J]VW/;;YW=VK;NW]&^'OBCEG&U.I@*V%EE'$6 I4YX
M_+:]3GJU(3NHU\/75HXNBFFE"$8SPZM[6,7*+?GG[.OQQ;0I;'P)XJN%;1[A
MS'HNH%%B-A,[;DM9R=H-I.Q*P[_G3(W$U^A,;*R*R$,C ,K*<J5/(*GNI'(/
M<8K\</B+X U?X=>*+CP_J EG2.5;G3]092HNK%79H[B)Q@&YB^4.J?<=?3)'
MW?\ LT_%4^,?#[^%M6G,GB'PW#$ TK,);W2V/E07!SDN\3@Q2')/W6(%>!OI
MUM?KLK>73UV/T^=K<ZV;2?35KY>K['U'11100%%%<-\2?%\/@7P5KWB:7!?3
M[-OLRG_EI>3'R;5!UR3*ZG'< T <'\5OCGH'PX:/3+>'^W?$T^1!I%O(%$+$
M#:]]*JNT,>3G:J[V&<8Q7R[>_&SXX:],+BWO]*\.6DA:2*TM;"$NB$G:OGW8
MN995XVJ98$8X))P>/.=#LKN_N;GQ1K<SWVM:W(][<3W!+.@F=V"QYR!&O"1K
MQM",,?-75*AW;F9=V,'"X!QD9XSV/UXJE;J[>E[W^X)?#IJ];I^JMOIYG3Z3
M\?OB_P"&9EDUZ#3?%FEJY^TC[/'97D2'J8[FS5$!QV:U;N<5]A?#?XH>'/B5
MI;7NCR^3>6P1=0TJ=P;RQ=UR"X.UI(FZ)*$&X@Y )P/AD@'AOG Z \+^*]&P
M>[#WKF;#6+WX;>+]*\::*WD0QWB0ZS;196&YM+MLW:R(#M;S(U0('!$3K^[P
MK,"M-;;?CZZ+;R\]-=1=.ST]%MT[=-'YGZK4'.#CKVJEI]]!J5C9W]NP>"]M
M8+N)AR#'/&LBX/? ;!^G/:KM(:U_X)^:?_!1+_@IY\$_^";UA\,=0^,?A[QM
MK\?Q2O/$MGX?C\&V-C>/#+X6ATB?4#J!O;RS$*R)K%N+8QERS1RA@/DS^8J?
M\'1_[#H!'_"N/CCR0?FT/0L\J#SG7!WR*^5?^#LU ?#7[&#$G_D._&, #C!:
MQ^'PSG/U[=3GIP?XN24R1M;. 5Y/S;M[8XP!M"C.?7J<9K]HX1X%R#.N'\'F
M&,6)>+KNNZW)4<8)4\;7H05KI>]3ITI*U]WUNE\;FN<YA@\PJT*,J7LX1@U&
M22E>48R:NTUI&2=FU>ZW=TO[\3_P=(?L/9X^''QOQ[Z'H6?_ $^T?\11_P"P
MY_T3CXX_^"30Q_[GJ_@- 7(RI (SG>2,<X_B[CG].O5?W?HW_?3?_%5])_Q"
MWAR-KPQBOL_:/7E<;ZJ7>_X[V5_)?%.81;3E0B[V?.K+[-[7C;OMT\S^_'_B
M*/\ V'/^B<?''_P2:'_\O:/^(H_]AS_HG'QQ_P#!)H?_ ,O:_@._=^C?]]-_
M\51^[]&_[Z;_ .*H7A?PWI[N-Z?\O7TY?[WE^?E=?ZV9A_/A.G;^[?[/^+^K
M'^A/\,_^#E/]C#XI?$?P'\-=#\ ?&:UUGQ]XNT#P=I-Q?Z+HRV4&I>)-3MM)
ML9;IXM9FE2!+FZB,K1HS*FY@.*_HKA;?&K<\C//7GGGD^OJ?K7^2!^QJ%/[7
M/[,./E'_  OWX2[BQ!P#XYT/. S9) R<+R0*_P!;J)RJJ2  RH57H5!4$*0,
M@$=#V/L,"OS#C_AO+.&\1EM+ .K;$T*LZJJS<I1E3G&,=.9M73OVV?=GT_#V
M98K,X8FI7E2:I2IQBJ<;+6+YO>LD];=[:KL6?\_E12#_ !_4\_D:6O@MSZ(\
M-_:-^.7AK]FCX'?$SX]^-+/4[[PI\*_".J>,->LM%B2?5;K3M*CWR6]C#/+#
M&\[J5$:O-$A<@O(B[GK\!_\ B*1_8>Y'_"MOCESP2-!T3/'\7_(>S@=< \].
M:_4[_@KK@?\ !-']M0L,C_A0OC,+CJ#]E3!YXX)_*O\ +"#%,$LQZC X&"#_
M /7/Y5^H^'_".3\1X3&ULTAB93HXJG1HK#U.1-.CSS7Q+;1ZI7LK7/EL_P U
MQF75:$,*Z;52#<N:-[2NE%;6WMO=:G^JC_P3]_X*)_"3_@HGX"\8_$7X0Z)X
MMT'1O!7BR#PAJ=KXOL;.SOI+^;2X-566W%G=74;VY@N(P27#!R5P "3^A%?R
MN?\ !JC"&_95_:'<X^7XY:<0" >3X)TT9/ Z8'?D>F*_JA4$9R<_B3_.OB>)
M<OP^5Y]F67X6,HX?"5U2I*;YJG+R0E[TKN[N_P#@Z'MY;7JXG!4*]9Q=2I#F
M?*K1WLK*W5:N]O1;#J***\0[@I&!*G'7''..1R.1[XI:0]/K@?F<9_"DWIHK
MO=+TM^7_  P?\#\=#X%_X*!_\% _A-_P3M^&WA/XH?%[1/%NN:%XM\6KX/T^
MV\(6MI?7ZZFVG76J"2XAO+FU06_V>SE4R><6#E%"D$E?R-'_  ='?L0'C_A7
M7QPP"6(?0="!V@'**3K@VLVX;3AE !W#H*Y__@ZD<']CGX'DC[OQZB [C/\
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MI2IS;2LKR@F[+L%%%%<9J%%%% !1110 4444 %%%% !6/XAUBW\/Z)JNMW1
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MVK7ZD?L:3Q"/X@VY91(&\.RY+ ;U5=6#LO/S!"ZAB,A2P#8R*_*#]LZ%=/\
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MACPGI-S\-_%FE6]WJEZX6WBFO[W2X;6V4-YA5I)!DAL=*_7Y#PO(;(X*G((
M'0_G1C,#C<OG&GCL)7PE2<5.-.O#DG*#LN9*[TYKJ]^@J5:EB(MT:D*D4VFZ
M<N9)IZJZL_79H?1117*;'\>7_!V9_P BQ^QE_P!AOXR?^D7P\K^+8??'^]!_
M,U_:3_P=F?\ (L?L9?\ 8;^,G_I%\/*_BS<D9QG.U2/]D[2N1ZL0W ZD+QTK
M^E_#I-\+9>ENWB?_ %,Q/X]D?F7$LE'-,2W=Z4-%U;H44?Z:/_!!/_E$U^R3
M_P!>?Q8_]7U\4Z_8BOX]_P#@E=_P7#_88_9-_8-^ W[/_P 7==^(EM\0OAW:
M^/;;7[?1? MUJVFY\0_%'QOXMTQK74_M]O%=!M&U_3S*41!#<-+;G+Q%J_00
M?\'*?_!-#'_(R?%I?]G_ (5K=<>WRZJ1QTX)'H<5^,9MPUQ!B<WS:O2R?'2I
MU<RQ=2$X4N>,HU*TIIQ::NK2WLK_ #T^SP.8X"E@,%&>+H1<<-1@U*:33C3C
M%W6MO^'[7/Z!**_G\_XB4O\ @FC_ -#)\6__  VEW_\ +2C_ (B4O^":/_0R
M?%O_ ,-I=_\ RTKA_P!4^)/^A-F'_@A_Y^O]/3I_M;+?^@W#_P#@ST\O/\/6
MW] =%?A5X _X.&?^"=WQ-\<>#_AUX7\0_%*3Q)XY\3:)X2T*.]^'=S:VCZKX
M@U&WTNQ6YN7U*18(6N+F-7D\N3:&^Z:_<V'<ZAGQG@C /3@C.0!D+@'&1^(K
MRL=EV/RVK&EC\)7PLYPYXQK0Y&TFD[+7O]QTT,5A\4FZ%6%51LFX.Z3:_KY[
MEBB@<_K^AQ17$=!^<'_!7O\ Y1F_MJ_]D$\:_P#I)'7^6&W^JC^K?S-?ZG/_
M  5[_P"49W[:W_9!?&G_ *2P5_ED'H>,^U?O?A'+ERO,)O:GF:OYKZI3U_\
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M:)_9?EY>07B[>\EJNJ[KS1_,#_P=1_\ )F_P1_[+W%_ZAGB*OX-F[?\  /\
MV6O[R/\ @Z?N[.Z_8Z^"*6]W;3NGQZC+K#/%*RC_ (0O7Q\RHS%0>1R!S7\&
M_0#_ 'U)]_E;Z]OK^-?TAX8-QX7P]TU*GC\6E%IKFYZT*M[M:6Y^79WY;Z7L
MOSKB1IYMOO2P^VMDJEOT_'YG^H/_ ,$3O^47_P"R3_V3Z;_T_:M7ZHU^5O\
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M)58J2]HYWY':4=^=7ZNR7Z'^<$%!. P_[^#_ .*I2F!DD8_ZZ _R8U_H^?\
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M8JG!/WCP1QU) QFOFFX_:"MY76'2_#]W<7$Q9(D:?>TAS@%((H6D96[84G!
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MC3]+6,_TK_+%#!4C)7< 6^4D@$@DC)7!QD9(R,C@\$U_J=?\%>_^49O[:O\
MV03QK_Z21U_EAM_JH_JW\S7[WX1QC++<=%WM+,DI6;3L\&EHTTT[=4T_,^%X
MK=L3A9+=1Y;[^[)JZL]-;OI<_NZ_X-3XP/V4OVB6!Z_''3\KM0*"?!.E#Y=J
MJP&5)(9GY;J",G^J #  ]*_EC_X-3_\ DU']HG_LN.G?^H7IM?U.U^7<;_\
M)5YWY8NW=V5*G:[W?JVV?3Y.[Y;A/^O:?S>^FVH4445\J>F%-89&,GG )^O!
MX.1^A%.I#T_%?YBD][=&G?[T)]'IHUND^J[G\N7_  =2$-^QM\#Q@ K\>XN1
MW_XHWQ!VZ+D*,XX/!QP!7\&[-C/'4QG\B#7]X_\ P=1_\F;_  1_[+W%_P"H
M9XBK^#9NW_ /_9:_I/PN7_&,X/SQN-3\U'%<J7R22^7<_.^)?^1L_P#KWAG\
M^?\ ^V?W^A_J#_\ !$T8_P""7O[(X_N_#R49]<:]JW-?JC7Y7?\ !$[_ )1?
M_LD_]D^F_P#3]JU?JC7\_9Q_R-LS_P"P_%_A7J'W>!_W/"_]@]'_ --Q"BBB
MO..H**** "BBB@ HHHH **** "BBB@ QQC\*\;^+OP=T3XIZ4D<[?V?KEDC_
M -FZM$@:1=W)MKI2P$UJ^,;&W;"05 4$'V2B@%=;-JVS6C_#[GY'XO\ C?P-
MXI\!:FVE>(=/DM)(Y6^R7Z"3[%>B-UQ+!-%'(%+(N[8"'!5<, G/K?P[_:0\
M9^"8([#5A#XET2/]TL-Y.\.H6T9'R);7<H1FR =BS"0.4 +(!@_I/XB\-:#X
MHT^73=?TJTU6TE!4Q7,2N5)#+NCDP9(FPQ 9""":^-/'7[(V_P ^]^'NJ+;L
MQ=DT;5BZK'O*GR[:_!!*?> %R#M &P@E@7=V4;NRVBWHF[7LME?KY;FBES6C
M4;<5>U[MJ]KI;Z=;'J_AO]HOX3>)K:)[R]E\/7DJ^7-;:Y:R $[?G7[3 T]I
M)$Q8A6,P)P=T87:6DG\%?LP>)B]Y<^'/A1J4TTC2RW,VF:!YDLKL2[R2&$-(
MS-N+%BQW<$Y%?!^M_!#XG^'FD74/">I2P1$XET^/[= R\Y='@-P&!()R'B;&
M/W0SO?A9=#U:V)BN-(U&W<'#))87,)#=<%3'UQ[G/6JC5J4U:$YP\H3<=[=F
MNGGZ>?+5P.$Q-U7H4:])V<56I4ZJZ:M337-?J^WI;]-K#0/V:O!3_;=+T;X7
M:#-$N!=6%EH%M<*,?PS0()QQQ@,H Z 5S_B?]IWX8^&X9+?P\USXDO!\D46E
MP-;V:8!*E[Z[V1&,-C=Y()QR >A_.FW\/:Y>N8[31=2NV)(*16-TS=<$86%L
M_D1[8KT/P_\  7XI^(7C%EX9O+.WD"F.?55BT^%$8X)=G=,XZD+;AA_=.>"5
M2<E[\IS5[VE*4ETZ-_?ZFM'"8+#I1HTZ=%)62HTHTDMMN2*7W>:OT>I\0/CS
MXT\=I+9"=/#^AREPVE6$DL?G YVF>^)\RZ)_Y:+$(XQ]TAAFN9^''PK\5_$G
M4H+?1K1X],$@-]K-TLBZ=9Q[\S.=P!DD !,<4(_>.0&QDFOKGP!^R1I.G2P:
MAX[U5M8N8RLAT?35DM=/#$9"75X[&>]"-G*1K!$?NL64U]=Z3HVEZ':)8:18
M6NG6<0"QV]K#'#&H X.(P-Q/=GRQ/6HT=KZVVOK;;[OEKH4I<L?9PMRWN[K6
MZVLG;75^]YON<9\-?AIH'PTT-=*T>,2W$VV74-3E4"YU"<C+/)Q\D8).R($J
MHQGFO1J**!!1110 4444 12]%^H_FM?YE'_!>+_E*G^U-_V&/!'_ *KCPE7^
MFO+T'U_JM?YD_P#P7C!_X>I?M3<?\QGP/^GPY\(Y_*OT[PH=L^QWGEE1?^7&
M%/EN+O\ D74/^PN'Y(\B_P""17_*2O\ 8N_[+IX2_P#1T]?ZFJ=3]/ZBO\LO
M_@D7_P I+/V+L?\ 1<_"/Y^;-_6O]31 <].Q_F*T\6?^1OE?_8O7_J16'PG_
M +EB=&OWT=_\%,EHHHK\M/J#^/+_ (.S/^18_8R_[#?QD_\ 2+X>5_%K_&/K
M%^@<C]0*_M*_X.S/^18_8R_[#?QD'X_8OAZ,?GQ]:_BT/WA_O0_R;_$5_2OA
MY_R2F :[XG_U-Q"_X!^:<2)_VKB;)_#2>G_8/1U/]-+_ (((C/\ P2;_ &2O
M:Q^+)_\ ,]?%.OV&K\>?^""/_*)O]DK_ *\/BT?P_P"%]?%+GZ<CGWK]AJ_
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M:W\J^=FST\OPT\'@L/A9S525&#BY*^NK?5+O:_E]SJ***\L[0IK]#[X']?\
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(4 %%%% '_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>logo_mvbfinancial.jpg
<TEXT>
begin 644 logo_mvbfinancial.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
M**** "BBB@ IKDJK$#)"D@>I ) _$\4ZD;H<=<'^5 %""X:=6,H$3J1\HSR.
MN/F[=B0><]JFW+)D'G YS^?]?\\U!((RGG2R)"50L6=U55 !+'<Q  4+DGI@
M9K\Y?VP/^"GW[+?[%NF7#_$SQNFHZNP>&+0_#26GB'48[LM)#%#>6ECJ*7%J
MGG*HE:55:.-Q)M.0*VP6 QN+E&CAJ=3%5FTKJ-KINS<G\,4M6VW;KW,<1B<+
MA:;J8BLJ:5M'JV[I/E2OS7NNV^E]#](E$0P!,N?[NY#Z<=?Y8S3GY/;&,''/
M7TZ8Z]Q[]*_BY^+7_!U!J&DZUY'P9^ GA3Q7I",^;WQ9J'B;1[E@)!LS;6EP
M5&Z(%C\Y"G /?'FT?_!U_P#'=1M_X9;^$X<\L%\4^,2,^V;@GICV].M?<4O#
M#C"M",J6&H*4E?7&X-)>];E;=6U]-5NO(\NAQ!EV(7.JKY+Z.5&M3D]$^:TJ
M<7RMZ)NZ?1O4_N2\OW_3_P"O1Y?O^G_UZ_AP_P"(L'X[?]&M_"K_ ,*KQ?\
M_'J/^(L'X[?]&M_"K_PJO%__ ,>K7_B%O&/_ $ X;_PX8/R_Z>^?X/L+^W<O
M_P"@E?\ @JI_\K\U]Y_<?Y?O^G_UZ/+]_P!/_KU_#A_Q%@_';_HUOX5?^%5X
MO_\ CU'_ !%@_';_ *-;^%7_ (57B_\ ^/4?\0MXQ_Z <-_X<,'Y?]/?/\'V
M#^W<O_Z"5_X*J?\ ROS7WG]Q_E^_Z?\ UZ/+]_T_^O7\.'_$6#\=O^C6_A5_
MX57B_P#^/4?\18/QV_Z-;^%7_A5>+_\ X]1_Q"WC'_H!PW_APP?E_P!/?/\
M!]@_MW+_ /H)7_@JI_\ *_-?>?W'^7[_ *?_ %Z/+]_T_P#KU_#A_P 18/QV
M_P"C6_A5_P"%5XO_ /CU'_$6#\=O^C6_A5_X57B__P"/4?\ $+>,?^@'#?\
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MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ I&^ZWT/\
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MX0O]B[_GR^%O_?SPQ_C7YQ_\.)?@[_T/_B3_ ,'^O?\ R31_PXE^#O\ T/\
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MQ\F?"?\ PDW_  6Z_P"A?U?_ ,%>A_\ QZC_ (2;_@MU_P!"_J__ (*]#_\
MCU?=G_#]7_@GW_T5:P_\%&N__*JE_P"'ZO\ P3\/3XJV!_[A&N__ "JH]GG'
M_1+X;I_-TM_T^\OZUN?\)W_0UK].E3R_N>?X^3/A+_A)O^"W7_0OZO\ ^"O0
M_P#X]1_PDW_!;GOX>U?'?_B5Z&>/IYW-?=O_  _4_P""?G_15+'_ ,%&N_\
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M+;B+4_MMIK,5Q8:=8726Q@F:W\JY#NX3=G!VCS[_ (*61?#SX)?%J[^#_P
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M\CTHE&5*JK^]3[:::17YMO9?Y1)<TD^906M]+[V\NEF_4][_ &?/C_\ $_\
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MC./"WB$X]<:3=G'>NIKEO'.1X)\8$8R/"WB#&>F?[)N\9]O7VK?"_P"\X?\
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M:\T[IJ371/;E[+OJ?L?_ ,$*_P#E(+\./^Q?\8?^FZ"O],F/_5J.W7\?6O\
M,V_X(5_\I!?AQ_V+_C#_ --T%?Z9,?W%^E?SQXP)?VO@=/\ EQ7_ /=4^SX5
M^'&?XJ/Y3'Y)ZG-6*KU8K\;C\=3UC_Z2CZX****L HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH *Y;QSG_A"?&.,9_P"$6\0XSTS_
M &3=XS[>M=37*^.SCP1XR//'A7Q">.3QI%YT'K6^%TQ.'?:O2_\ 3D2*JO3J
M+:\)J_K%G^4A^UI?PZ%^W/\ %_6KP*UOI7QJ_M2]2$ %X['4;"[F$>>A,<3
M9[XSQS7UY_P41_X*D^,OVMO W@#X'^"3=^'_ (2>!K*VMKFP.8;K5]1L-4NK
MRPN[EH&\N8)!>2PD.F<' QG!^(/VWU>;]KK]H9A\C?\ "Q];4+(" 04A.3ZX
MXS_4]?FOPK<'1/$.B:G=VUO>VVE:MIVH75G,I>SO8K*\AN9+>=,YDBN(XFA=
M"?F1R"1FO[,^HX3,IX"M4P<L5&BZL\/5IM6IRG'EFXWM%N3YDV]4K\K3:/R.
M$IQA4HTZOM*?)#2GI[1049)MKWN52BDM-;V:LM*TT:QDDP.2K +&JY8+G)R.
M>A]/7UI@G559F@D7/S(C+\Q4#'ODY]./KTK^W7_@DOK7["W[?\7BGPSXD_93
M^&>C>+M F1IKNW\)6L-C);1:7)?W+*[2LP&$QSV'/:OV\N_^"5G[!]]HE_#;
M_L[?#"62\TC4+:SU!/#EJ7A>YM98H[F&0/\ ++#(RR1-D[74'/'/R6;^*."R
M'-\3EN)RO&4*]&=.*<X82:<*M.$E-\LF](5$[7W6VAZV69+C<9AH8F<J=-2@
MVH5*3<X-73C9SMJU=-^]:3TO8_RPQ=*Q0A'!=3O5QS&QXP1VX]A]>*DP$X;!
MR<AAST]QTY_/'.*^^_\ @II^S1'^RO\ M??%3X>6%D++PJWBG5I_"J(@2,:-
M;O;PPA  $VB0LOR#'%?!$JER(HD:1Y,K"B#<SLQVJJ@<L68@ #DDD>P^YPF*
M6+PT<:J]*M2E3A4IRC%J\*D4X.VMG**3:UY9-QN>3RU5->TDN9.2G&R33CHU
M=Z>XU;SBDVM=&B0_W"<H1\HQECT[=^#W%0#S0NY%)*LH8 <ACC ;!XP>H/;.
M/?\ N#_X(D?\$V_V7M6_9F\"^*?CEX!\-^/?B/\ '?1H?'NE:1XWTRVO+K0M
M*T2;5='OK?2X9"D\=O-)!'=S[QDR&,G XK]7OVB?V$O^"?'[/WPE\9?%77_V
M:/A>VG^&M$U2_,5MX8M#)=WEKIE[>VJ,'?#-(]H8P%(R",<G-? YCXF9-AL<
M\NGAL96J0G"FITG2Y7.<:4DH\S3]V;47=+WE+16/;HY/6QN%C6A&*4E?E<;J
MRGWY^T>B_E:NKG^9+Y4Y(VHQ:3YI,@X5LX_=\Y"_D<^HYIC0S(=HCD9ESR 2
M/<\#VZ\].M?LM\0O^"AG[-^N^,-,O_#7[)_PJTGPSIVK6<LUBGA.*.YNM*BO
M8)[J)U68HTKVZ2Q+T'S 'C./ZT/V"?@S_P $S?V[O@MI7Q<\"_L\?#&VNQ!9
MQ>)]!?PYIWVW0=2O1=21V-]!'(WV>1X+;SD4\M&ZL*]K/>)J618.GC\?E>9N
MG-I3=*IAW[)N<*:4KS:]^;BE)73;L]9:>=@LOJXV:BZ].G-I\D91J1Y^5VNU
M[1648I*UOGW_ ,YN.&9R" 2Q'&02J]BK=]QSE>>/:K*0!=ZMA90&W[N!G!]!
MD<8QGZ=R*_T O^"IOP=_8E_86^ LGQ+T']D[X<:M?76M:-I44I\'V\UC!-JD
MM[$!.Z2+L?%KO0$Y[@<''\%WQ<\4P?$;XF>.?&^A:-IGA72/$_B"ZU33O#FC
MP?9-/T:UN0@2QLK7+""WAVG8@)"Y)SSQU<-<3X7/<#]=P>68^W-RI5:M&;E?
MG7,HPDVGS1>KLTMNA688'^SY\GMXU):74(RBXMN"BKRDURI2;:T=US)[G")'
M,P<IU#!AGD,,9.WOR>/KP,5,$DD!DCC;)_UD;#E6/3:,],=??'TK]H?^"5G[
M0?[-'A;Q_P"$/@W^T)\!_!/Q"T[Q5?6>D6WB#4?#\.HZW!J-Y/#IU@WVB:15
M\AKN]5KGY2=B @$KBOWW_P""I/B[_@FA^P)IEGX5M?V:?AAX@^)OBBRDNK#3
M+'PSI]P;&%+J?3)I=10S++"\4XC<*!]P;L UGB^)7@,VHY17RK,:E:O&<HRA
M*@HM4J=*I4DN>=X^R=51G?XDM-T<^'P]3$QJUI8BG3C2G&,H3A)R3FVH1:]H
MDU44%.-E=2:U>I_#!)#*A7;&Y#_,_!PK9Q@<],9/]*GCWA@K1L2P.#@E0N.0
MQ[,<Y49R?QK]M?V7_P!NS]F'3_BH-*^*7[*_PSU_PQXZ\7:1:0PV_A2&>XT>
M/4+BTTM([999@L4"23M/*G))&1@GG^V7PE_P3;_8#\8>&;/Q3IO[-_PRCT[4
M+3[;:*WABT#&'$@S)AR-P\M@!DC&.>M<7$7&M#A.M3>-RO,)TJ[:I2A4P[4I
MQ5/FC[TKZ>TN[K76W0[,LRROCYS@Z].GR*7NRISE*4.6_,_WBT5DG:RM97/\
MN8QA5.86##E,+A=H&3NX^]G'UJ(R$*&\AEW8#!E())X!7ID#H2.:_JY_X*1?
MM-_L5_LK_'+4_@SX"_9(^$FIOX8N[W3M;O+[P=;R,]W9W,0'DM%,NY#!+R6&
M=PQVY\H_9"_:1_X)W_M*?%73?AG\7/V>/#/@J^\33FRT/4/#OAZQLM-AFF\B
M")+EYY]RRR7<Z"+:#QD'YC7H8;B/&8O!?7Z/#^9TL*Z2JQO'!RE.$KRC**A4
MNW)1=DE=W2:1YTH8F&)CAZ=/GHN?+*JU*--./*G[]VDF][;.[U/YGMI<  8"
M_,YX # D@ ]0",#M[4S8VXR$C:#C R#D_=Q_(_4=LU_=G^UG_P &X/P.\8^$
M?$'B_P"!/B/6=#\26VF:CJ>F:,#8P:)=S6MM<W,=N#&#.5DEBBA0J2<.1@D"
MOXGOBU\)O&'P-^('BCX9^/-/:Q\3>%M3N=)U* HXB%S:A!-Y9<*S*#(JAL#G
M)YXK3AWBO)>)7*. J<F(@[5*-5J-:#492CS4TKJ/+%M:OFVW._$X.KE\HJ>'
M4)35Z<M'&:;BY6DTM;>[?HMKK0_3W_@A7_RD%^''_8O^,/\ TW05_IDQ_<7Z
M5_F;?\$*_P#E(+\./^Q?\8?^FZ"O],F/[B_2OQCQ@_Y&^!_Z\5__ '4/H^%/
M@QG^*C^4Q]6*KU8K\;C\=3UC_P"DH^N"BBBK **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "N6\<G'@GQ@?3PMX@/_E)NZZFN6\<_
M\B3XQ_[%;Q#_ .FF[K?"_P"\X?\ Z_TO_3D2*O\ "J?X)_\ I+/\G#]MMF_X
M:\_:*W,21\3-;Y/9<0X ]L#&!Z5\J,[890Q"[ER ?3.?Y'%?5?[;N/\ AKS]
MHS'?XFZW_P"@PU\HG^+_ 'A_[-7]N8=\F P\8>Y954^7W7K5EIH]FG_2/Q^G
M'EI):72I^OQ)^O6_S\S^GW_@W3U[4/#,_P"T]XEL AD\-_#;X@ZY:L3^]:^T
MKX:ZS?VBJ%YVO/;J#MY].PK^J3_@E5^UE!^UA^S'H&OW=\MUXQ\)VVFZ+XYM
M5;<UIK5\E[=QQNA8R)YEG''(!( 3DX&,U_)__P &^NUM(_:R3S'4GX0?%(LH
M "AA\*]>VL2/[A/4\=_>O=_^#<3]J/\ X0?]I+XP?LXZMJ$<5E\4-6N_%]I/
M<S[%6;P=X:F@CAC9F6,^?]JVA>69E"J,X!_%N.,C6:QXLQ4:<IXC!/(ZM.I"
M+=2"5+$3JKF2Y[.C3DG%O=*Z?*CZG+\>Z%7)(.?+3G0QZJ1;34N6I0A%N[2;
MC.IS7U=GT/2?^#H+]EJ>"?X:_M)Z'I=I#HEE8?\ "*^)[N- L\^N^(/$-U<V
M#R;0=^;:UD4N2&4*  1FOY:?V5OA1K'QH^/_ ,+?AWHEB-1O=3\4Z'>7%OL9
MXSH]AK.GRZJTFU6/EK:&5G! 79DL0.1_IB?\%2_V<=$_:<_8Z^*7@C5[9[EM
M!T?4/'FG1)"LTC:GX-T/6]4L%C5CDL\Y"#8"WS84$D"OXTO^")/P7M_"/B;X
MV_M1^-[1=)T[X&>!O'FCPW&JQ_8Q!XGUCP#J>I:#:J;@Q%9Y;FQ!CC!\POMV
MJS<#U>!N*E+@QPJ0C.ODSHY=!/6=>&,Q,W2<DVI5))U903=FH0CRIVL<N?9<
MZ.8Q=.I&']H3G7I0L[1EAJ="%1VM91LHZ)-7E)RUD?NI\#_CGI]Y_P %@?A?
M^RUX&MK?0_"O[.?PC^,OPVU'3-*'DZ?->V,::Y'*45F1GC%P44_+C! [@_J7
M_P %7ECG_8D^+<38\H:-?2 GD;TT36BN"#U)^[CWQ7\F'_!#7XJZU\<?^"Q?
MB+XLZ_<&ZU+Q_P"'_C'XDO7D<NWVF[\*H226^8G*=6&>/89_J^_X*J,7_8?^
M+R,Y7&E794YQG;HFM$ D^IX]>_05^<<09.\DXORO+:SC.I0>#=>=VU4JSKMU
M:C<ES2YI7<>:]DTDVK7^DP%52PF(Q*?+'&2=>,5[L:4%3C",(Q^&.D+M1T<F
MY;MW_P M(X+J5&-@9'SW)[GG).,X_#(-?TS?\&U_[4Y^&G[2FJ?L]:KJD5AX
M;^*=CK/B60SSB*W&J>%_#[PZ= "S"/S)VN'2-.6=RH7)(K^9D$*26YW ].Q'
M3Z^G^->Y?LS_ !(U3X1?'7X9^/M&O+FPO=)\6^'Y+BZ@8QRC3VUK3VU"WW $
M^7<6T<B2)C#*<9P37]$Y_E<,ZRK%9;4DH1Q<+.HU?V,J<H2C*.C:;E"-DK+=
ML^&IXBIAJU&O3NW3:DEK)-73DFVU96;;UU2MIL?Z9W_!4K]F^Q_:4_8Z^*/@
MNXMXIKG1-&U'QY8@JK2-=^#M$UK4[=(0QRTDDF$55&YF; R37^69?65WI6H7
M.GW<,MI=V4K074,R-'/', "8Y%8!E;!&5(! -?Z[WPE^(6@?M"_!;P]XXLU2
MXT7XA>%+IS"RJ8WLM32]L)H67<0%>-9$9<\@D'@C'^;C_P %EOV6Y?V7/VV/
MB?;6]M'8^%?B1XBU[QGX.LX%1(+/1$NX["*WAB7B*.*XCE54+,0!D$YR?R/P
MDS2.&K9ADM?FIUW4A7@I-I0C0I5O;))NZES.F[)+3FDSZ+B.C*I/#8ZE:6'J
M4IQJN.MVW2]E*^UE[Z=T[RDD9O\ P2+^ [?'+]LKPBU]$@\/>!?#?BWX@:M>
M7*@6=H? VFKXFC$TK+Y<<A%B3$&(RPPIZ"N)_P""IOQ^G_:,_;0^,_B<7RZI
MX?TCQEK6G^%;A9/.C316>"XB6%L[51I=[[8SMR3@]Z_3C]@*/3OV,?\ @F9^
MT-^UGXPT]XO$7Q>O]*\ ?#;4TAS=II'CWPAXL\-:A);RED983>P?OBHD7,(R
M1R*_F_%Q/>O?7=U*]S=7<OFW$\IW/+*5(9RQY8\#)(SWS7Z=EL%FW$F88J?)
M.&7\M'#RLGS>WPBJXB\M>?FE"A'IR2A..Z/FZ\;T,%.G-J$(U93C%.+G)RY*
M<I66OLU*K9RW7*UH]>K^&1W_ !+^'@4]/&WA7.<\DZ]I_4>P_P >O%?ZT?[.
MJY^ ?@@]CX5(/'^W> GWYK_):^%.5^)7P_W\D^./"F.AP/[?T_C_ #ZU_K6?
MLYA?^%!^ U8[0_A;!88X#/=@MU[9)Y]*_-O&&K[7#Y!/:<ZN*FXO[+C+#K5+
MK:]M]'>]V?3<,2]K[:JUO3:>UVMM]D[+?_-W_P XG_@M7&D?[?/QIV;7#>,=
M=+%3EHW\RTP& Q@C(///KSU_/+X%6>NZE\:?AC8>&GNH]9D\9^&#;36I87"H
MNO:?YA!0$@="V,C';U_JS_X*/_L"_L;?%;]JGQMXH^('[40^'GBWQ+KVHW6I
MZ++J/A:%+*]NIK6-TD6_OX)XUB.P$2(& R3TKZ0_X)Z_\$MOV"OA!XOL/%_A
MCX^_#[]H'XDV-O/>:#H6HZ_X5U"YM+F&!72=+32-2GN5-O<QP7&\HVPD-7U=
M#BW"97PSE<:M/$3J5<)RJ,(.TG&=K1BWJDM;_9MNG9'CT,'+%8A0P\W3A3E6
MDYSE.2BU)N\I17+)WO%6;6JZW9_2A\'H-8TCX/>%%\3W!DO['P\[ZG-.Y:0K
M$US)/)*S8((B&22!@ ]!7^<Y_P %R_'/P[\;_MU_$:3X>K"#HVM:WIWB2XMQ
M&%O-9^UV\GGLT;N)"("J%R0?E (ZU^_G_!7#_@H-_P %!/@Q::W\./ /PH&D
M^&+NUOM.D\:^$-/\27DUK82M<6DSB_MK=K.#]Q-))N8\"/<6P"1_$CXFU_7O
M$WB#6/$'BN\O=4\3:O?27NLZCJ+O)J%Y?R >;-<R. \DC +O9@"<<\U\YX7\
M.8C#.MG5>K"-7%P5.G1I\R48-R<Y3:O'VC=-<L+\T82DW;2_;G>;+$R_LW"P
MNL.TJE6K!2G-OV<TZ3;4U%:QE)1L]KO5'ZZ_\$*O^4@GPX_[ /C ?A_9L'%?
MZ9<."N"!@=.![_X"O\S3_@A5_P I!/AO_P!@+Q?_ .FV"O\ 3+A^[_GU-?-^
M+O\ R-\-Y4ZUO*ZPMSTN%TE]=LK?O*/_ *;F2X'H/RICD@C!QQG]34E1/U'T
M_J:_(/M+T?\ [:?7$M%%%, HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MBQ&-WG<[%1&+L3MC5F^6OYQOB)::GH'Q'\317%K<:9J&E:W)NLKB*2VFL[F
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M0OASXGU7PKKVBW<-U]MTFZ-I<3VR30R75G)(JEC!>0P_9YT ^>)BO4\_I/\
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MC^XGNOB3?V&9;V+QMK>L3Q6+RV$"SS2VLNFV.Z>^/EQ0%2)0"RD_S<?"34_
M&F>/]$O/B18R:AX.BD$VKV4=M)=":%)8V>'RXYH';?$)4 $J,=PP>A'^MA\:
MO@OX'^/7P^U_X<?$/0K+7_#GB'3+VSE@O49UAN+BTN;6WN8XU="9;9KEY8R6
M #]:_A(_X*#_ /!OI\<O@?X@UGQ=^SQ$_CWX<7VH/=PZ6[V.G7>@0/,4MK*W
MM(GN+J\B2&)YC,V'!.QE]?Z)\.^/L)]3HY7F=6CAZV&IQA1J5IQC&I3IJ=DZ
ME6JK5'%QI\B6RC*,9;1^!SO)JD*E:K2C4E2KR]YT4U.#DH<SO&*LE)N2>MWS
M)RCL_J/]G+_@M_\ L,?LC^!V\ ?!'X$VVD:-JL,<6M2)H7B"UGU']Q+9-+>)
M_;%QEVM9Y(FP^-I/3.:_+;]OK]J']@S]I&T\3^-_A)\(;;P5\6_$^N1:MJFI
M6NB:O;1W4DID^W2R7-YJUS%O94A!Q;+OP?NX)/Y<>-?@5\5?AWKEUH7BGX?^
M+K758&E29(O#FLW$*M'M601S1V/EN!D$%20W&#BN17P5XS2$/%X&\8K&%VO(
M/#&M[B[!@H*_8^,C.>?EZ]S7V^59+D^7YAB,WI9M6KUL7R>V]KF4JT:OLZ:I
M4^:#7+/E7P<S:I6M%I:'EU<15J4J5!8:C-45)4YQPZE4A[5^TJ?O-))2:L^6
M[J-ZK1GZ??\ !,/_ (*4Z_\ L#+\6-*BT]=0T;XAZ#K;%=]YNB\1)X8O](T&
M41VA0&-;JZ5I)F),2C=@KQ7Y^ZY\3F^*'QZU[XN_%"UCOH?''BIO$?BZU+2W
M/GM=SVYO=HW1S3$V\<@'SHS%@N0<&O.E\&^/&/R^"O&;! 0,^&-;&0?^6G_'
MEU7C&#CUX'*MX*\<@+)+X*\8R(/E4'PQK6'W'&2?L6.,=L YXQ7J?5\E]O/$
MT.6EBJR@J^)ISIPJUE23C#VU2/O2Y(3G"Z2<X64KJ,+<;IXB5X2J8ITMH4>:
M3IP;46^2&B5W"+UM9MV^*9_4/^R+_P %=/V!/V)-)O(O@M\$8=,UG5WAFU?6
M8="U^"\OY8K=[0R3%M:N47,#LFV-57&>,DD_7GC'_@Y5_9S\?^%=;\(>+OA;
M+J6B>)M,OM(U>QFTC7)89K+4[.:PNT=5U",L#;7,JD$J&#$9'!'\7P\!^-S]
MWP-XPC0=AX8UL_3@V??L?SR:>/ 7CC<2O@?Q@1@Y!\,:T.G_ &Y<X&>I^@KY
MO&<&</9ABUCJ\ZT\4G'EK/&S<ER.+ARO>*36T4K:]6V>CAL=C,+1^K4H25)I
M\T/9JSO;222:OKW>RLM#[J_;6^)?[%7CS2=,_P"&7/ANO@345F@_M 1:1J5@
MLL?VF1IE+WVJ:AG,'EI@!<@8/:OSK@A>('YOFR"5!Z$?YZ'CKU[]2? GC<.H
M'@;QC%E68$>&-;(.WN";,@]>G'3MS2?\(5X\WA5\$^,6=E9BS>&-:&0.I'^@
MC(X_H,U]?1GA\-R\^(=5P7)&4JWM))MW?QM2N^9:-6LK-NUS@C"O0C)0I3:F
M^=Q<':,4HI*VD5%)/9W;U5DW>_\ #GQEJOPY^)'@;QQI5S+;WGAGQ+H>MR7$
M+%7%MI>KV=]<0JRY)66.W*E0 Q! %?UQ_M3_ /!Q1\*OBO\ LOZ_\._!>GZ_
M:_$7Q3I4NC7TDVCZA;6EK%J5CJ6GWIBOFO)!(%BNHF3?" Q!S@+S_(6W@CQV
MV#_PA/C%3U)7PSK73H00++N..HZ'FC_A O'!)QX(\81(?WBR+X9UHEMN<#!L
MNY&#].Y->)FV2Y+G=?#XK%4X5*V%J>UP\G.*=.3]F]%:2DING'G4WRNT5ITZ
ML+B<;AX26'A*C&4;5%"E*//;2[Y7>\4[4U%-K5V5[O N3<75Q)=3.99YB7EE
M8_.[GJS' Y/':J5Q#<R;=I!"*0 6Q[X'!KIAX+\?=O!?C(_]RQK1_P#;&IU\
M%>.R1GP7XR'(_P"98UKIW_Y<Z]QXK!5U-2J5*;F[R:G3BY---N3NVWHM7W\T
M<T8UT^>5&5]-73ES)6M9NSMIHNRTVT/U%_86^/W[#'P-TC0_$/QS^$]MXZ^(
M.CW%CJ%O/=:)JMY%#?V4IN(IUGL]5M$WQ7$5O(I,!&X'(.TY_H0M/^#GCX+:
M5;6^FZ=\-6CL+6$Q6T2Z=KF(DRQ5 OV\X4DDDYX))XXS_%</!7C?<R'P7XQ)
MPW_,L:UM/'K]B_R>,U$/!'C $H/!'C&.3G)7PMK9W  \$FRXST)!P17SF><,
M\/Y]]768XJO6AAE)4*=3'VI47+V?M%2IM.G3=3V<7.W+S-7=W:W3@\;7P"FJ
M+E!SLY.5-MM7;5V[2:BY-1M>R=K*[/Z1/VGO^"EO_!.;]KCQ9:>._BW\#;>Z
M\4FUN8Y]3C\/:]=7.;FX6>7+?VW;J^74'+)[@^OF7PG_ &[?^"9O[.FO0^._
MAU^S%X>\6>,].G1M&U3Q#HWB;3YM,WA0Q@^RZ]+#E9(XI@[Q,RN, A<BOP+7
MP1XP. O@7Q@"O!_XI?7 ><=,V7ID#L?8&IE\#^+QD1^!?& =\[C_ ,(QK8R,
MX.?]#P0<]1S^=:4.',J6&AA:>=8NEA*5-TZ6'AF]>%*G3U;A3C%1:3DVVHN+
MU;;<C&5><ZBJ3253FYN=TH<R;=VVI<T4FK7O%W=KKHOZ6?VC_P#@Y6^.?C7P
MK)X:^#W@C0?A\US;O;S:]I.JZ_%J4 D,J,(([IYH"&CDRQ*G!10" 37\W_Q2
M^+'Q(^./C75/&OQ$\0:IXL\5:_=S7)O;^3[7<SS73('4.D:EI))53:@7<[E<
M D@'N/AI^S!\=/C!?R:9X&^'/BB[N89X[;9<Z+JME$))5#*OG7%EY83YAERP
M4=^!7],G_!,7_@WR\7W^O^&/C%^U?#%::+ICP:A8?#DFSU&UOKE2+BQNKVY@
MF@N[9K*\ME980#Y@<E_E!5N!U>#>$J-26'E@*$J4*DU4@\-5QE2<HJ$E&H[8
MNHY*JXJ";5FGRM&JACL95C.7UK&59M04Y7E"E%VUBHJ-*GHKRFDE))Q<KVO]
M2?\ !MM^P5J_PX\ :G^U1\3-$>Q\3^+A;#X<K>0E;^'PQJNF7^F:UYT3B&YL
M6DO+9%\F>)GD0!P0K G^L\*^]26VD#:T0(VDD_>!X)*\\C@\Y /3F?"WA;1O
M".CZ?H'A_2[;2M$TRV%M865L-L-G A9ECB3).T,S'!R1G@CI73QY)5FYQPK<
MY*GG)7L?45_,?$>?5L[S.IC*CE)S4803?-[.E3C&,(WO+3>;NY6E)Q322/T3
M*<#'!894FDVKN<N6SE-MMMW2V323T=DK]BPQ(( [\?R_'\J<0">0..G_ -?V
M_P#KTUNJ_7^HH9B",>F:\J23C'H]=5OOW.U:RD[Z:>FW_ 'T444B@HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **0D#J0/J0/YTF]/[R_P#?0_QH =13
M=Z?WE_[Z'^-&]/[R_P#?0_QH =12$@<D@#U)Q0"#T(/T(/\ *@!:#P"?2D)
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M[5X_X\H>!GI]S&*^@@J]@#^.?ZTR22-<AB!QU..#]?\ /Z53SC-K7CF>._\
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MN2.QQ_4JYD4@J3MR-PP/7OQTK^$S_@V$#)\<_'?SX!MK_P"7;U/_  CS=3C
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ME42BU9Q7T_#V/KXW"SCBXVKT))<Z4E&<)N;@[SDVWRKWNSM?=7_FV_X+K_\
M!1SX]?L3ZE\.-+^#FJOHP\2Z5-?7M[&86W20:XUDJ&.5'"F2%=N1C'OFOSJ_
MX)P_\'!_Q0\1?'/1/ /[56M(W@_Q$UQ8VNORLK&UU.XC@M-*A>&W15"7%_,
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M!,]W=QPQ*[EW& @XQ7JG_!T4\%Q^R9X0N(9%:W7QUX,4R*0R^8VHZRRJ!W#
M$[AD<=<XK\JR/AFME?%^$RO-<+&I2E&K*#K492H5;4>=2BJ]*,9J$Y)23@U=
M6/;JYF\UR-UZ-6K@\3)0YX0FZ-:FU/57A*4H\T8WC:2?*T[IW+__  0W_P""
MFG[0O[:GCOQCX9^,.LOJMMHWGM:R.(E$831GNU7;&BD_ODWY.><9) K^@/\
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M(H[K2;=[QP@,OVBWOI)7P@51N:!.WITR:_7P28(5G^8D=CU/X=/Y^E?SH_\
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M-I)/.GN/*GNI?-N)VBBEF?-RX+NN['R@;0 ?HI[2"0C(.4(/!Q[@''8]Q_\
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FBG)*VDG9-[=6UO\ ,(!ZCI00#U'2EHKS&K[G6%%%% !1110!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>logo_raymondjames01.jpg
<TEXT>
begin 644 logo_raymondjames01.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
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MGWFOZ3,O[2P%K_7,/;:_M86OIIOYK^DS^IZBOY8%_P"#K#]DXLH;X$_%-5+
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MZ$U>]_J3Q3_T)L1_X'A_+_I]Y_U9G*LRP#VQF'?I5CY>?G_5F?U,45_+1/\
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M6K%=N[\U_29_4]17\KW_ !%8_LH?]$'^*?\ X.M._P#E)4B?\'5G[*LG^K^
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MT7[.K=:<L)/K=?,\/8ET<54PD[I5D[1>CC6IWNFGU<5)-;WBD?U5?M(_LI?
MK]J_P%K7P^^-GP_\/>,-+U;3+K3[>^U+3;:YU319;B,K'J&D7DJ&6TO+:0)+
M%)&RG*;<@'(_R_O^"C/[%/BO]@O]J?XA? G74NKKP_8:A)J_P\\0SQNJ>(_
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MEF#(=3UR]6'3-/CV2&2[N8E".3M/\7'_  2>_9U\<_\ !6/_ (*)?$O]OO\
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MP5XCTQ)XK;5;.RUW0]7TC5;0/%-"7$UO=65_93J\<L;-%/!*KHS*P)_SV/\
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M*_9XU&;P5K$-W/Y^I7GA"Z\O4_"NN7#EWD:":6\U70[8R$,$T(I@(J5\@_\
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M8+P[I_B/_@F=^V='J*LRZ/\  CQYXBM-IQMU#1M#N[JS8_[*R@%AW'''6O\
M*NK_ %,O^"T7CBU\"_\ !,K]KB>Z\K'BCX3^)? \'FAR/M7BK3+K3[?R]CH?
M-WG]V6W(#RR,*_RS:_>/"M3638]N_(\Q?)VTP]'FM\VKGQG$UOK&&[^QE?\
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MC*+NFG0?5&W7^-U\1_\ DH?CS_L<_%'_ *?+ZO\ 9%K_ !NOB/\ \E#\>?\
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MA_\ 9??AA_ZF&D5_2N%_Y).A_P!B*'_J"CX.I_R.W_V'Q_\ 3J/]8FOY\?\
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MJ+DTG)1NTFU>UEJT?&9'B*6&QRG6G&G"5*=/GD[13DXM7>R3Y;7>BN?UG_\
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M_A_\5?"/B-;=';PTMC_;JR7!AW/%'K&GV LE03?NEDD !!#XQFOP)_X*K?\
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MQE;#(,#5PM&K6KQ=.==P4:<M)*$$W&4ENG)SE[KU22O9NR****_+CZ ****
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M8G$UHJ-;$5ZL4[J-2K4G%-*R:4I-7MI>U[!9+9)?(\V\?_!WX5_%1M/?XC^
M/"WC9M*65--;Q'I%KJ;6*SD-,ML;A',0D(!<+C<0,UYQ_P ,??LM_P#1!/A?
M_P"$GIG_ ,9KZ0HIPQ>+I14*>)Q%.$=H0K5(15W=VC&22N]=%OJ%EV7W'S?_
M ,,??LM_]$$^%_\ X2>F?_&:/^&/OV6_^B"?"_\ \)/3/_C-?2%%7]?QW_09
MB_\ PHK?_)^2^X++LON1\W_\,??LM_\ 1!/A?_X2>F?_ !FC_AC[]EO_ *()
M\+__  D],_\ C-?2%%'U_'?]!F+_ /"BM_\ )^2^X++LON1\W_\ #'W[+?\
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MCD"NFHI.M6E*$W6JN=-15.3J3<J:C\*A)N\5'[*BTETL%EV1\W_\,??LM_\
M1!/A?_X2>F?_ !FC_AC[]EO_ *()\+__  D],_\ C-?2%%;?7\=_T&8O_P *
M*W_R?DON"R[+[D?-_P#PQ]^RW_T03X7_ /A)Z9_\9KWS1-#TCPWI-CH6@:;9
MZ1HVF0"VT_3+"%+>SL[=2S+#;P1@)%&&9B%4  DUJ45E5Q&(K)1K5ZU51=XJ
MK5G42=K72E)I.VEUTT"R6R2^05QWB[X>>!/'UA/IGC;P=X:\5V-S#);S6^O:
M-8:FK0RJ4= UU!))&&5B,QNC#/!!YKL:*SC.<)*4)2A):J49.,D^Z:::^3&?
MG=XI_P""2_\ P3?\:3S7/B;]D'X1:G///]HFD.FZG:%YN?G(L-5M5!Y/  7G
MI73> _\ @F1^P'\,KVRU'P-^RI\)= O=/\O['<1:)/>O!Y)!C(&I7EZK%2H.
M9%<DC+$U]UT5W/-\UE#V<LSS!T[6Y'C<2X6M:W*ZMK6TVV,_94E+F5.FI?S<
MD>;[[7Z+J8^C>'M!\.6HL?#^B:3H5F,8M-'TZSTVW^4!03#9PPQDA5 R5)P!
MSQ6Q117 VY-N3;;U;;;;?=MZLT.'\=_#/X?_ !/TVVT?XA^#_#_C/2[.X^UV
MMAXATZWU*UM[HKL^T117"NJ2[1MW@!L<9KR?_AC[]EO_ *()\+__  D],_\
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M ".31_#ND:;(F !\LEG9PN#@ $[LGN376T45SRE*;O*4I/O)MO[VV,****D
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M_P!$$^%__A)Z9_\ &:/^&/OV6_\ H@GPO_\ "3TS_P",U](44?7\=_T&8O\
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ED( % 50%4      #H !P .P%+117$4%%%% !1110 4444 ?_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>logo_stephens.jpg
<TEXT>
begin 644 logo_stephens.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
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M;NM+\(_M@_#36_V:?$UT8[5O'GAV[O/B)\*KFY*HOVF_6WTVT\7^%8+B7?\
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M*(>$O%?[-'BWQ-X3\%ZG)9?&']FKQ>NH75QK&BV>FZA%:Z_X&UO4)G;^W_\
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MMMY?EU^\_F _X-!OVE/%VG?&C]H_]E'4=4O;[P'XG\ :?\8?#6DS2F2T\/\
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M\L6IV%Y;1?JE/<06L,MS=316UO C2S3SR)###&@R\DLLA5(XT )9W8*H!)(
MH EK^$[_ (/(?^1V_84_[%;XY?\ IV^'-?OS\7O^"F?B7X^?M6^!OV'O^":M
M_P"&/B=\1?#?C/PSXK_:I^/=SIY\3_!/X&_"#0-<MW\8^&3J=O)!I_B[XB>+
M8/*\/Z5IFA:J/[/>]N3%?)J-I=RZ-^ O_!Y!G_A-?V$\D$_\(K\<<D# )_M;
MX<Y(&3@$]LG'J: /U7_X-2O^46__ '<'\5?_ $3X:K^ENOX\/^#4O]MS]G:T
M_9GU?]BO7O'-GX6^/UG\3/&GQ#T'PMXD*:5;^.?#/B"+1D$G@S4[B1;/6=4T
MJ>QECU30TDCU>*)H[RVM+FS6>>#^P>[O+2PM;B^OKJWLK*TADN;N\NYH[>UM
MK>%#)-/<7$S)%##%&K/)+(ZHB LS  F@#^03_@\'\;:58_LK_LK?#Y[F,:WX
MC^.NO>*;:SS^]?2_"O@;4=-O;K'_ #SBN_%%C$3_ 'YE'?GS'_@SG^&NJZ?\
M.OVU?BY/;/'HWBCQA\*/A_IURV0ES>^#-(\6Z_J:1@KAOL\?C73P[!CAI0I
MX)_&S_@X&_;IM/\ @I9^WUX-^$O[.$EQ\1_AW\&D3X,_"F7PTK7\7Q+^)'C'
M7+(>*]9\-1QQJ]]::IK4.B>%]%N SP7]OH*:C9O]DOUEE_NT_P""1?[$'_#O
MK]A#X._ +6(K!?B%]ANO'WQ>O+$AX;CXE^,_)U+Q!;?:_,D%Y%X=@2P\+6MX
MK+#/9Z'!-%''&X4 K;^;3^ZW^1_FD_'/_E+K\1_^T@&K?^K[:O\ 7D3[B_[J
M_P A7^/?\:/''AB__P""H'Q%^(=GJUK<^#W_ &X-<\4Q:Y!(LME-H$/QNEU$
MZI#,A*2VCV,;744R,4DA*R*2K U_L#Z?>VNHV%EJ%C/'=65_9VU[9W,+!XKB
MUNH4GMYXG'#1RQ2)(C#AE8$=: 6R]$4_$'_(!UO_ +!&I?\ I%-7^3;_ ,$Q
MO^4S?[*__9Y^E?\ J;7]?ZP7C;5+#0_!GBW6M5NH+'3-(\,Z]J>HWMS(L-O:
M6-AI=U=7=S/*Y"1PP01222.Q"JBECP*_R2_^";?COP[HW_!6?]E+Q[?W\-MX
M:D_;!\):F=1F/EP1V&M>/&BM+F0OM*(POX&._;@-\V.< S]$_P#@ZD^'>N^$
M_P#@J?KGC+4+.>+1?BG\%OA1X@\/WKKB"['AS19?!&J0PMW:TO/#JF9>J_:(
MS_$*_J;_ .#7#XGVOQ _X)3>#?#BW]O=:G\(_B]\5?A]J5JDL;7%A'<:E8>.
M=*CN(58R1++I?C*V:!W51*JOL+>6Y%S_ (.*/^"7NN_M_P#[+NC?$GX.Z/'J
MO[1/[-@U[Q)X2TB"+.H^/_ 6J6]O/XT\!V,BL/-U=SIEAK_AJWD27[5J>G3:
M5;F&766D/\OO_!MW_P %,_#?[!G[2GCG]G7]HC6IO!'P5_: O+#3+C5O$"R:
M;IWPS^,^@W']F:5JOB=+M8WT;2M9L&NO"_B*[NHXQI=[;Z'=:@]K8V-]*@!_
MI1T54L+^QU2RM=2TR\M=1T^^MXKJROK&XBN[.\M9T62"YM;F!Y(9X)HV62*6
M)WCD1@RL5(-?*?[87[<?[-/["OPOU+XJ?M%_$C1_"&F6\,RZ#X:BF34?''C?
M5UBD>UT#P;X4M6?5M;U.]D00HT,"V%F7%QJ5[96B27" 'UA=?\>UQ_UPF_\
M1;5_D1? #_E+W\*?^TA7AK_UH.WK_30_X)^_&/\ :I^./P0\<?M$?M6^$M$^
M#^A?%#Q/J_C;X$?".:RCL_%WPQ^ RZ3;Q^&%^)NL?:/*OO%'B&"UE\6WL4UK
M93Z-#JOV*Y6,*EE8?Y@_P \8>'U_X*E?"7QX^IV2^&)/VZ?"?B@:PUQ&NG_V
M+<?'2TU*/4/M;'RA:-9R+.+AB(_)(D)"\T ?[!E?E'_P7(_Y1,?MS?\ 9%[S
M_P!2#0:_5I65U5T971U#(ZD,K*P!5E8$AE8$$$$@@@@XK\AO^"]/B;1O"_\
MP23_ &T9M:O8;)=:^&UCX9TSSG"&[UG7O%OAZQTVRA&#OFGF<[4')5'.0 2
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MV_V2:Q_X6 VLKX@BF>V:1?MJ^(&O!*5E^TDC%?TF44 ?FA_P3P_X)4?LP?\
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5HH **** "BBB@ HHHH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>ny20005581x1_ex4-1img1.jpg
<TEXT>
begin 644 ny20005581x1_ex4-1img1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 6>"?P# 2(  A$! Q$!_\0
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MR$.W"C<*;S28-'M9 2;A1N%1XI12]K(8_(HW"FTF*?M9!8?N%&X4S%&*/:R
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M]%1F6/\ OC\Z42Q_WQ^=*X68^BF&6/\ OC\Z/.C_ +X_.BX[,?UHZ5'YT?\
M?'YTHEC/\8_.C05F/S2TSS8_[PI/-C_OBG<=F/XH'UIOF)_>%'F)_>%%T*S'
M#ZT4TNG=A1YB?WA0F%AV12TSS%_O"D\Q.["BZ#4DI.?6F^8G]X4GFQCJX_.E
M=!8?BC\:0.A'#"D\Q?[PIW06'9H[TFY>NX4F]>NZG<6HXTAI-Z'HPI"ZC^*I
MD,7I1FF^='_>%)YB'^,?G63=F/E8_/O2Y]:C\Q/[P_"E\Q"/O"CFL'*Q2RBG
MCGI4 9,_?'X4\.O]X4XR&T24=J9O7^]2>8O]ZM.=$V9)C%';K4?FI_>%+YJ?
MWQ34D'*Q_;K1VI P(X.:7M3W$':C\:.U)0V@"EI.W>E'XU(T&10#11BA70"@
M^]&?2DQ1FKYF(=124G>GS +MS0%]Z3\Z4?C3LNP#J***U0!1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %,)/I3Z8RYH8"4M(!BEK!K4$%%!ZT&I
ML%PHY[4&BBP[A110: #)HH[4=J!"4N#1BB@+!@U'*2$RO!J3-1S?ZOM2=K#6
MYDSW-Q&Q/FG [8IL=W/,N48TVZ)((R*KP7$=M&=Z_E7 Y.^YZ*IIQO;4NB:[
MZ;B*1Y[B(9=\#ZUA7>LS-)M@X3Z55:XED'S.QSZ5C+$).RU.B.#D]79&^=95
M>#,0:B;7"O20FLJ"U>4<*Q![XJRNFPQ\RRJOXTO:U7L6Z%".C+8\0KG!=A3F
MULCD$G/O5"3^RH?O2EV]C3!<VJCY+?.>F<TO:U%U#V%)ZJ#-,:V^.A_.D_MI
MCV;\ZH0-,[_+:1A??-3RW30#BV3=["FJL^Y,J-.]E'\2RNM/_M4\:PS'^(?C
M5..2Z8;V2$*>QICW1+;1;(3ZC-#K374GV,&[<OXFDNI2L?ER?QJ47-RW(4_G
M6<A(7>\.%_V>M3QWMN.%,BMZ&JC4GU9G*DE\,2Q)>W$8R4;\ZA.J2[<G=^=3
MQW3.<>9&1Z'K2OY3']Y'^(I\U3HR$H+>)2.M2!L;6/XU*NJ.XR0P_&K26UN_
M*$9]ZAN+20'@ _05//474J])NW+8KOJSH>"Q]\T#6&;NQ_&G1Z6\IRYP/2IS
M:VEKU4$_6CGJ/J4Y4%HE=B)>S2CY0_YU*)9R.6;\Z@DU J-L*J/J*IR7D[?>
M?'T%'M9+J)4G+HD:)GE'\;?]]4@N92>9#^=8[M,_\6::%E/9J3KRN:+#JQNK
M/*YPKG_OJI ET>C$_P# JP@LJ<X;\:>E[<PG*OCZU4:_\UR'AV_AL;GE7..2
MP_X%4+M<1\ECC_>K)DUB>7Y%E.[O49>>4?-O/\J;KK[-Q1P\MY61J_:I!SYA
M^FZF_;Y2V-Q_[ZK*-O(1]UJC,+ISAJCVTC58>#ZFV;F?JN3[;J3[5==U8?\
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MXU&D1F;H2?K2=:70<<)33N]C6D\0R*/D2F#7KIAD(#4,.F.WWUVKZFK#0Z9
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MN'J.*NQWG."1GT-9<EQ?@?O-NWT05''- 7^=90]/GMN3*BI*_P"1LS74F,
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MI%E .X\ ^HI<M(W5MOMTJ;ON6[+:*L1>=J)/"H336U&\C.R6VC?Z"AEG:38
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MFJ34&U%V7:QGWFDR3Q!TNG8=</S56,&#$;$<=\5L:KJ$=I" I'T%8\<GGG>
M.?6IJJ$9>Z:4)5)T[RV+/FY4#S$_[XIW5."#]!3"DI7CROZTX$JO(&?:HAN+
M3H;6GC$(S5VJ.GG,0)%7O>O4HKW#RZOQL**.U%:,S#K1112"X9S1110,3Z4M
M)2TK!<,BEI*6F E /-%(#S2Z@/'2EI!2UTK804444P"BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH 8112YI.*Q>X!SF@T4&D 4&B@XH ,4II*,4
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M79CJ1]G9[Q8R"\<,!VJS-#'=PX8<U32"3?P*O\00;GY-*-^ISU.5-.&YS5Q
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M]N*07LSC$=D[?5JT4NK.'B-!@4O]I1$XV_D*FT>K*YNBA][,UKFY49;3\?\
M JA_M,*V)+1U_P"!5J?;XV; )'U%3X25/F57!I\M]F/VBC\</Q9FPWMI<':)
M"K>AJ>2WD5=R?,*IZCI,>TS1#8:72;IPP@D.X4+?ED4XQ</:4W\F3QR2)]X8
M-7H+K=\KC<#ZU'=Q)N&WBBV3!HUC*QC)QG#F(-3M$(+Q@ UE6\[QR;3M)SZ5
ML:C,H4QCDGTJA:V>T;V(J)+WM#HHSM2M,LS^=)&I>,8_V:CA\LG[[H?K5E<R
MC$+  =<U&SQQG84RY[K3:N0I.W+89.[Y">:<&KEO&+2/<R+SWQ4<5JD?[RX
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M:O[)JL+;67XFD=0G' PN:C,]PP)\T_G6:5<G#2G\!36@*])2<U//,UC0@O\
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M@ HHHH **** "BBB@!AHHH[UDQ!^=%'X44A@?QH_.@_2@_2D '\:*#]*,^E
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MTYJ47-ZHPL6?;%;'V"#'*'\Z3[!;_P!P_G4^PGW*>*IO>/\ 7WG/2)=2-N$
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M=?6I6X4R%1BI;JUU@R$QR2;?9JS9(;U)U^T;B<]SFLIOR.RC%MWYT=/8,#$
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M'TH&:3H:7)H5@"BCO1WI@%%!I*& IXI*7.:2I 7Z4?6D^E% !]*7FD^E+S0
M9I,T?2EQ0 <4E'%+VI@%'%%&*8"4M)2\XI"#(HZT8HYH7F,,"BBCM0P#-'-
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MBFF 4"C-'6F 4"B@4@0449% -.Z .*,49%)D4M "EH%'>BW4 P/6CO1WI*-
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MHHL(2EHHI %%%% !1111<!:/TI,^U+BF,.!0*2EI+N ?6BDHHN M)2]*.M,
M ]J,4E%" 6DHS10(**** #%+244D &BBBD,,44E+0A!112YJ@$HI<49I##M1
MD=***8"4=Z7%)2U$+^%&/:DHS1<8OX49]J,4E,!?PI***0!1Q110 4444 %
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MHOYT>;$/^6B?]]"L=;+2,<31M]34JV&D'^&%OK2#E1H?:H ?]<GYTTWML/\
MELOYU673=)[00?E4HTO3B,BUA/\ P&F@LA6U&TZ&=:J376CN?WAC)]0.:FGT
M_388RS6<1 _V:Y&XN6N]2^QV>G0QKG'F;,52BFP7=&Q=:II-O&3#=2(PZ8R:
MATW7+RXG"H?-BS]YOEJ2#PAN4-<7,JMZ1MQ5I?"ELK M=7#>Q;BG97&VK&T)
MHMH+2H#W&X4W[5!NVB5"?8YK-_X1K3<_-%O^HJU!H^G6YS%:1J1W"TM"-"]U
M[T48 &!14@'%*<48H/XT[ )2]J*.: #M24M)S2 .U%'%+QZT7 .U&>*.U)0
MM)S2XHX]:8!0*2EYH$'%)2XHY[4#$Q1112 *.E%% A>M'?K0!ZT'%.PP[]:3
MO2TGTI '>CI1]:* #-%%% @HH. ,DX%1I-%(<(X8CT-(=B2E-)@T"F(**7FD
MHT&%+VI** %YHHYHXI@)VHHI:!"4?C2T?A188E%+S24@#-''K110 444HQ0
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M0!1113$%%%% !112XHM?5 (*6@CWI*+#"BBCZ4 '>C\:** "BBB@ ZT448H
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M[(C'N.?+Q_P+-3(B(/GVI]%J,S1Q_<C+'Z5$WVR?@1X7Z4EY%6;6NB*]^^6
M#?UJUI4;(=['CZ5/;V=O%S<'+>U/FN%V[(@0*JUO>82J7C[./WD=Y,,G&/RJ
MGRU2;2QYR35F'3Y9"">!66LG<:E&FM2BZ.1QQ5_3U((W'FK%["D-N!D ^U0V
M'+C&36D(VD9RJ.=-M'0VXP!5GM4$ .T9%3UZ]):'BR>H#I11VH_.K:)"CBDR
M ,DX'O5275M.@?;+>0HWHS4),9R/C35]2LIHXK1V2-_O%15K0]#TJ^A66=WN
MI&&6$CEL?G6Y-J.B3C$US:N/]H@U';W_ (?M23;W%I&3UVD"J '\.:$J'=86
MZCUV@&N3U:*STW4(UTR_>')Y59"P_G783ZGHEPI6:[MG4]0S"J4%EX3:;?!#
M8&3/50,T:@;&GL7LHRSEB5')JR.M-C"+&!& $[8Z4ZI8!WH'6C% Z]Z:8A]%
M%%;+8 HHHI@%%%% !1110 4444 %%%% !1110 4444 %%%% !2'I2T4 ,HH/
M6@]:Q8A:2CO0:0PI:0T&BX!1112 1R0A(ZXKD[N075VT=RX5 >,QYKK3]TUS
M^J-:KN,E[S_=7%#&BG]AL-H'VI0/^N=:FG6\<1'E7.\>F,5S$<\=S.8VNV1!
MT+8%;&E[X[H)')YL?]X4K^13N=/FFO\ <_\ KT[MTIL@^3FG+9DK<R[L?(U5
M(%/DMAL-VJU=C,3 <>]4(+B.UB;>P)KS9OWCT*2;AH4+L.I)DRU5%E7:?D(/
MUJ:[NVN7^7&VJ_E=E!-<4G>1ZU.-H^\.0!AZ?K4D:D'YCD5+;:?+(.%_&K9L
M$MQF>51[ U2A)J]B)UH)VN4' W#!Q4C=!Q4QFTV/M(Y]J%O[7^&SD/OBCEMN
MT1=O:+(5,?\ %'^9JU;360;#6^#ZYJ&2\A?A;7!_&I$,6W,MJP7U6A;Z,F2;
M7O)_>:4,UGN^X!5EDWKF!PM8J26K-CRY *F!MB<).RGW-:19RSI6=U<N/#?=
MI21[&H-K(_\ I&YA]:5!*@W17*M[9J3[7/C$L:L/I3:L[B][96_(HWD4\B9L
MY=GL!4VG)J$: W3DK[FIU2VE;()1_K4@M)V;"R I36]QRJ>YR.WS6H^3YV^0
MU-$'1?G.148@C@7?(PR/>LZ]U)ONQ!<>M#=M690@ZGNQ(M7,;/A" WK7-.DB
MW2[V+<^M:KN\QRQ!JFT#_:%*GOWKEGJ]#V,.O9QY3HK4E84X/3UK8L^E8\6X
M1)G%;%D<KTKNHK4\;$K<MXI<>U(11BNM'"'09-8FK:X;4;+:/S)"<?2MPX(P
M:Y[5M.FC/G6N2V<D$9IE1L+9V-_?H)KN]<1MSY:_+C\16@-$L0/FB,G^^Q-5
M=-U:-D6";*2#KGBMA2K#*G(H] ;:*R:78I]VTA'_  $5*MO GW8D'T%2T=J1
M-Q  .@Q2TE+2U$(>1BLC4;+4<^;9W3 C_EGZUKUE:I:ZI*I-C=>7[$"FD5%L
MHP:SJ=J=NH6AVC^,&M&'7K"<[1*0?0K6+;MJ,!V:E+,?]J-!M_45/-9:=>C!
MU##'W -.[;*LCH0()AG$; _0TUK&T;[UM$?^ BN87PC<(V^SUNZC'HI4C]15
MS[%XCMDQ%?QS8Z>:!_2JM?8GT9JMHVFORUC!_P!\"F?V)IHZ6J#Z"LVWN_$B
M/BZ@M67UC!K=A9WB#2 !NX%2] =T5?[&L/\ G@!]#33HEC_SS<?1S6A14AS,
MS?[ L2>DP^DS4?V#:+]V2Y'_ &W;_&M,"E[TTF',S(E\/6LRX:6Y(_Z[M_C6
M->>!R29-.U&>VF[,7+?H:[#O1T--:!S,\^&B^-+63:NKM<*.Y4"IS%XT3[L^
M?8J*[K.:2FY-CYO(XN/5/%MJ/WNF_:/?<!2_\)?K,3XN- 9%[D29KLZ0JIZJ
MI^HH4A-IF7I.L_VF#FW,1'K6M30JC[JJ/H*=1N2'TI.:**0Q:*2EHN(/PHI,
MT4P#\*PO%,DD>F,8IFB;^\IK>Q6'XGGMK?3&:Y@,R8^Z*$-;G*:7IWB:\M_,
MMO$VQ#_ T88_K6A_87B_'_(RC_ORM<[9?V5<-YMO=WVFG/7(VC\ZUH[6:5@(
M?&;,#T&Y,_RJ^5E,34-+\56ULTDOB<;0.5$:@FMKP9+<26C?:+AYV!^\QJI!
MX(BO7$U]K%U=X[;@ ?R%=38:7::7%Y=K%L'US28-Z%RDYHHZ5! M'-)UI11H
M-$%WD6KD-M..OI7GTEU(;Q]VORQ@'[N#7H5T8Q;.95W)CD"O/;F\\/?:G6/0
M[J>3/.S)_K5(:-&/6]2V".SE2YV_Q,P&?SK7TG7+JYD\F[ME1AU(<&N0V>&2
M=[Z/J%HQZDDC^M;?AH:!]K/V!)O-[EVS3DK(?0[/(//:BBBL^I 4444P"BC/
M-'6E?4 S11BB@!DT9FB9,XR,9KF;GPN81)<1WTZ-U&UR*ZFHKES';.X&X@=*
M?4:9Y[;3>(Y[AHK;6O+53C$D8_K6F]WXLL(2WEI?8'4%5K+O-4M+RY9;_1KE
MMIX> $5-;WVE",J=7O;)/[DI7^HJUYEE_P .^(]9U"^:&_LQ"H_V@:[3MQ7%
M:&FAS79-M>RW$GJS#^E=FJA5PHP*B1+%YJAJLUW% 3: ;O4U?K/U6RDO8=D;
MA#ZYI+02.02[\3RWA"ZH,9_U?DC^=:$^J>)["'<=/%SC^+<!1'X=U&*3?!K#
MAO[N%Q_*J6MWGBC2H"SW6G-$.\Q(/Z5HO,K0ET_QU<270@O].:W.>2#FNRM[
MJ*ZC#Q,2#ZC%<MX8O&U&%9;A[-W/_/'D5UP55'  ^E2V)^0M'-)2TA!VHXH[
M4E !2\=Z2B@04?6EQ[TE*PQ>:3ZTM'0T )FC\***$@"BBE[T["$Q3>:<>*8<
M9R:SEN4@.:*0G)XQ2%T!Y(S[U-RK#B?2DR:.HXQ1]:5RK"@DTF?6D-& :860
M[.>WZTN#3,4M%V%D'-*":3/K1D&BXK!SFC)HYHYHU'H'-&3WHX[4=N:!:!DT
M9-'M1^-&H"Y-!)I.!10[@K"Y]Z/F]*08%&:+A87)'>C<:0T#(_\ K47"PN:/
MF[?SI#247"P[F@L<4T>U+]:+A84'N12]3Q3:,<Y!HNPL..:0$^E!]Z3\J+A9
M"\B@9H_$4<TM0L@Y!YHW'L*#QU(I.I[?C3%9"YH)]!2GIVIH'I2'I87FC=[4
MI48Y-,P#T_6F(=FEW8Z"C'':FYSZ47&DA<D]_P *7(].:;Q1^5&X60N231G%
M%+QCM1J)V#GK29/K2?RHX[4:CLA<GTI<TG.*;Q33)LB0$TF::,]J4#W HN%@
M)-&0.M)S_P#JH%(8I8^E(#ZT $=A1[TPMH*2>W%&3ZTG/:D ]<4M0L+D_P"3
M2AB*3:>V*-N3R11=AH.R3THR1UI,$'J*.ASQ0&@%B>E&3WYI.I[4N.>U._<+
M!D]A3LTT]>,4A'/44KBL.)/84F3]:.:0T)@D.R>PHR:09-(P]Q0F%A_..E)E
MO2F]12\X[4,!<GL*"3BDY[8H*\<FF(-W'3FC-+T7M1_#VI#L&?SI,MZ4W I>
MV!2'8=N]1S2$FD'3H*7''44]0L@R:3<?I2C ' %&,^GX4:AH ;/44HYZBF\#
MKBG*?I33$T._"EY^E'%)6A(8HHHH]!!C-+BDHI@%+]*2E[T#"DHHI:@%%%%
M!S1GVHHI6 .:7Z4?C24P%_"BC'O24 '-%':B@ P:*** #%+244: '-%%%( I
M#]**2DV(!GN*6D!]"*6DABT?6DHJA"T5!)=11]7!/H*KM?2-_JH'^I'%2Y)&
MBIR?0OT"L_S;PC):%1[TW[1,#\US"/H:%/R*]B^YITF#6;]J4?>OT'T(IAO8
M@>;]?S%#G'J/V$OZN:W-)]:RUO%8_+?QGZD4[[3/G"7$#_4T^=,/821I450-
MU<IR\08?[(J2.^B?ALH?1J7/$ETI%KZ4HS3%8-RI!I]-&6HN:,&@_A25:&+2
M44O:D E%%% @XHI>U':A#$HYHH[4M0%HYI*7'%- )1^%'2E[4"$S^%%%% "]
MJI70)/I5WM5"Z!SQ^E95?A-J7Q&%K/$0S3;'_5+B0CZU)J1^5<X'-7+2&&2V
M7<JOQV-<7+>>AZKFH45<H:BMIY.YB _J*SM,U&Z^V"-9',?:MY]/TEF_>0X;
MW8U)%:V<)S;K&OH<T.+YKIV"->"IN+3?J6'59(LLHW8ZUDRRRV\F5=@/K6B\
M^T\N#["LB]G,C$#;3FT98>#;L]BY%>1W"[)D#_6G2:9N7?:LT9[ -6(FY&SD
M5LV5RY &ZE&=])&U2G*GK I->W5I+Y5T&<'^(FKJ-%*F]%4CU%6;JWCNH]K@
M%CWKG',FF78C!_=D\@T2]W5[!3Y:R]W27YFE(S@Y5SM_NT1SQ$',85O<5()8
MI8Q)&,$"H=HNP0Q4$=,\4.ZV&DFO>)89YV)/E1E1WVBI1<K+E2^T^@XK+D%Q
M:/M!^4]S5J*"UV[Y) S>F:%.6P3IQW_(LB#)^8YS[U9BTV,_,3N]JS1*['$2
MY4>M6;:\R^T+L8=STJGRMF<XU+:,NNL-L.( 35&;4+@G;$FT5?%R6^69 5]:
M;);*XW1"DT[:&,)1B_?1S]XT[C+NQ/IFKVE9P*;J ,:X9:ETS#8(XJ8+WSLJ
M2O0V.B@S@58S4, ^4=*F[5[%/8\&6XM)]#1VH[58A" PPPR*HS:+IMP^Z6SB
M=O4K5^@4 8-W;>';'"W-O;IGIE14<=KX7D&Y(;4Y]A4?B2T\/7#*-8E5?3,F
MVN4U31]-CC!\/G3&]?/N'S^AJK#.S^Q>'#QY%M^0H6/PY:2#8ELKD\;<5Y@B
MB'<-6VJG<V3DC]:U- LO ]Q=!DNYFG!Z2S=Z+!L>KQ%&C!CQMQQBG5#:I$EN
MJPG,8''-3"DQ!0#1WHXS2NP'"EI!2UNM@"BBBF 4444 %%%% !1110 4444
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M?]TBJHL-//W<*?\ ?J5-/$?SP704^YS56ON0U"/PNWJB;^SIB.I<?[1I/(,
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M(8HX%(>>>:/YT4 ':CK12T %)R:.IH(Q[_C0%P%'6@4GUH!BBDQSWI1CM10
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MC\#0^I6EN,*2Y]A6:EDA^>20KBI%@MR<EP^/7BJ4FEL4Z=-[ML66YGO&PB$
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MP#5"T!A&,97UJI).H'R'#>M2V=])NV2'>#WQ4J:N9>SFE=;$,UJ[_/#*% [
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MKC_#T]W'J2PW0A9_[RH ?TKT7C ^E1*^Y+;,?^P5"[5O;H?1Z0: 0>-1O/\
MONMBBLV+F9DG17(Q]ONOKOJ/_A'B1@W]R?JU;5+0@YF<W+X.L[CB6:5\]R:H
MR_#?2WY6ZNHCZHV*[+@=: 0>A'YU:N@YF<:GP_$*GR==U13V'G5D:EX.\50@
MM8:_<LH[23'->E<TE/F:"YXY%I7BM)"L^L7J$=VE.*W;'0_$S;3_ &QYB]P9
M237H<D,<O^LC5OJ,TB011?<C5?H*3E)CYS&MM!?R1]INYVD[X;BI/^$;M2V7
MFF<>C&MFDI7%S,S5\/Z8!AK5'_WA5F'3+" YBM(D/J%JU13N+4, < 44M'UH
MT$)11]**0!11119@%+2?2CF@8O':DHHH$'XTIZ=Z2EYIC$HI:.: #G%1RP13
M+MEC5U]&&:DH[4P(HK>&%=L42(OHHQ4;6%H\GF/;1,W]XKS5FBE<!J*D8PJ@
M>P%.YI*6BX!24M'-(!**6DIB*NH*YLY-J[N.@ZUYM'IXFU!SY=_9L#P_W0:]
M*OEF:V<0N5..U<9%I<MS=2?VC<7+1CD 2,/Y4U8M$,U[JEA%LO#,]L/NO%RW
MXU9\,:F+R^95NI'7^Y(W-9_V4"[>*#5)(XU_AERX_6MKP_+;"\,2VL1D'69$
M S3;2"QU/V2VW[O(3=ZXJ4 *,*,#VI?K1]*BY)EZY=7-G9&6V4LX["N;M?'%
MQ F+S2;UB.K)'Q70^(9+R/3RUF 9.P(S6)I.IZ\T6R\TA9(^[[@/TJTBEL6X
M/'6E2$"598/^NO&*U(?$>C3X\O4K<D]@XK/D?2G_ ./S2H!ZYB!J'^SO"=UT
MM(8B>ZKLH]VX6-]=2LG<*MS&Q/0!JM<$<=*XU-#T.WU!'MKHA@>%\TM_6NP0
M8C4#D 5+LMA-"X]>:KSV,,X(*[3ZJ.:LTUW6-"[' '4TD):'(ZMX3U&=M]GK
M5[&H_A$I%93:!/'$PO=8U48ZD2\5TUUXRT6S<I+<-D==J$TL'B?0=5'EK.K@
M]G7'\ZM.2*3,'PQ96,-^WE:K-=-_=EDW5W7DQ=XD/_ 15"TTG2H7\ZUMH4<\
M[D S6B/:I8FPQ@<  >U9NKSV<$&Z[3>OIBM+FL?7[>:>WQ!"LC>YH$MS!@U;
MPW<W'DMI&W_IH\0Q5/Q#HNFO;&73A$).RH:K/8^)5; MH)8_^>?R@_G43OJ4
M(Q/X<<GU2?'\JNS*.F\(0S16*K-%M/KBNK[5S7A[[>\2LT#V\7]QFW'\ZZ7'
MO4,3$S11BEI*XA.:7BDS2Y]J%8 HHYI*; 6BDI>.] !2444"%&.]&?2DHHNP
M%HI*7\*!B'VIASWIYXII_.LY;E1&]#Q69J>MQ:<IW([OV516I]!6?J&G6]Y&
M?,*H_9\XQ25NI?J<\/&-XQ++I%TT8](ZM6WC*SF<)<6D]JQ_YZIBJ$FGZWI[
M'[!K$<D?]QMI_G52<:S=L%O(;8C^\2F:U<8B.[@N(IXPT3A@?2IN?0UA:!9&
MU3)G\PG^$=!6[DUB]]!C2<>M*#F@#VHS[4K#"C/UI/H/UI<^M,04G7UI>*#0
M "CO2# I>]( S1D4<4G'I3O8!?Q-)02*,^U PX]S]:%<^AH)%% @.*-V>Q_&
MBC![T 'YT4II.W2D"%I,X]:,&EZ47#0.U':BE[4 )UH&,\YH[4G..GZT /*C
MJ#24@I:8"4G3U_"EXI?I0#$_.G94=*:*,>E&PK 3GUI"<=ORH'TI>*+W'97$
M!S3J04#K2 7D^M)T]:"31]#1<+"_A28YHYSS1SG@4 'M1_GFCGN** %R11D8
M[TASFEX% @&<=_QI/\\TI)H!]130 ":,?7\:!DTO/TIB&]^_XTN<4?6E %(>
MPW<>V:4$=\T8)/3%(1[47L+<7OQFD.<\YHY X_G2_6@=AN?K2^_-'T%*/>@!
M.OK1CGG-*3Z"D^M(!2!VS28^M!/H*.3U_G0 9]C1^8I.>U+0 I/U_"E)'O28
MHQBF%AM+U[&EX[#FEYH0 < =Z0$GO2D<=*3%#\A 0/4T?@:3'O2Y.",T%%&]
MU2RL$+7%PB >K5C/XZT!&VFY1O?(J#5-+C%^;B[A$L.>5;D?E5JST_PY>)A=
M,M ?0Q"K7*D)HLVGBG0KW"1W]OD_PEA5UM/TR\^<VL$N?XMH-9TG@SP[*=W]
MFQ1G^]'\I_2LR\T"?26^T:;J4L<2\^2TA;/YT[1>S ZR"U@M5VP1+&/11BIL
MGM^M8^A:G+?P'SUPR\9]:V*S:L-H3\_QIX--X':E!/IBA/4A[#Z2BEYK2Y(G
MUHXHI*+@+Q2TE'THN OUH[\4E%.X"X]:*2CZ4P"CZ44?2E<09I:2CKVH&%'%
M(*7CM1>X@HHI*0R&ZF\J/ZUFP?+*TAR0>U7KU&9.%S^-5;<A\I@9%93?OG32
M2Y#G]8OW:X,8W;?0501UV_*K[JNZI$R7Q/09ZXJK^[Z^8<^PQ7GU&W)MGNT5
M%4URD;MO^5T<-]*N6.G2RLN=Y0U7@"O. S,P]#756RQ1VV1N4XZ9-.C34G>1
M&*KNE&RZD:0VMDH&S+?[0JK<7TGF#:P5:+B4NQST]354IO/RN"/=:N<WLM$<
M<()OFF5+B62:\4AB1746?%F>IX[URCQ2I>+MD&,],5UMH<6?(QQZUIA&^9CQ
MMN2*1CG)N#PW7O5U0-HXJKG,[?7UJXN<=*BVK9%1WL+D]Q^=&W'-5[BZCM^9
M7VBF0ZK9W+;(I=S4"5.;7,EH6VV.NUD# ^HK!OO"&FWCF2,/;2G^.'Y36[G(
MXHW8ZC]:I2:V,^5,YFW\,7UF^8M7NW0=!)(2*W[9)(X/+D<LV/O9J;KT)I20
MB[F/%-S;W&EI8YG4O",FI7!D;5KV-#_ DF!6:_PMTN8YGO;R1O\ ;?-=<=4L
MO,\LS /Z5:5E=<KR/7-4JLUHF$J;7Q(P-(\(VVBD?9[FX*C^$MQ70A\#&#29
M]OUI1[C]:B4FW=B:T(YI?+0OCI6)<ZO<.^Q 0/45M7 !B)/(KGI]ID^7BLIR
M?0[,+&,G=JY$TTQ?<\CD?6M*TN[5QM,+L_JHK-+E6R5RM:^G:OID Q)&JM]*
MJG:_O.QT8A/DTBWZ%^VT\W/+[U7L*J:O:06F,+D^]6IO$=L>(Y=H^E9=[=07
M)!%P9#[UO5=)1M'4XJ,:WM%*=TB]HI)<XQTJ#696CER/6I]%&'.#VJOJ[()3
MNYYHG_NZ'#_>63P72_95\Y00?05(UC9W:9B)1C^%9<"ET&X?+VYJPLX4[<E0
M/2L(R_FU*E3<7>#LRE>:3);9D^^M4EWOP51%_6NGC;SEVX\P>AK&U"T*3$^3
MQ_=W5$X+>)T4,0Y/EGN5_E9?+0)GU'6K>GW\MI,(Y6)C]*I+N X@"_\  N:5
M_N<QGZ[JB+<7=&TX*2Y7JCJ2T5RGGQ@C%7;&X\U,,3QZUCZ-DVA';ZU>ARDN
M ,#/K7?3G=J7<\:M35W#L:M%(/NBEKI//"BBCFD,.QZUG7.<]_QK0.<50N<Y
MY_G655Z&M'XCG-<+-" *S;.(Q[6&2:T]77>H&<56MK2?RP40X]<UYTE[^A[]
M*2C1M<W["X1XPI(SZ5--#_%\V*YW#POG+(WK6G9ZDV0D@)'J36BFMF<=6@T^
M:+N6EF7_ %;$J/6LZXTJV,_G^>Y]E:MIH+>X3<,+[YJHQM;;C9O-6]M3*E4:
M?N73(H79D\J-#CU85*-/&=TDNWZ&H?M,DAPBA%^M-=H_^6TK'UP:EN^YIRRO
MIH62]K;])F8_6HI-84#:HS51I[5>(H?,^O%+N+1DK:JOXYHN^C&J2O[R^\CD
MU%VX"C\JKM),_P#RSQ]!4BRS;MHC0?[6!2R+<KRMP/H%I=-6=,5&.R15$,@.
M6!_"DE&2/E;CTJVDE_(IVA..Y J WUS$V)$1OHHJ;*Q:<F^GWC-_RXP147?(
M8_2K::C;/Q-"%]ZL_9;.==T$@W'M5.#:T!U.3XDT9?FMT(HB??)MVG\*FGLG
MC)."?H:IG<&^4LI'H:Q=UN;1<9*Z-*:Q'EACYE7=/C1 /O?UK';4IU0(<MCW
MK5TUVE0,>#Z5M3<7+0Y:\:D:?O'3VW^K&,_C4YJO:Y\L9JQ^%>O#X3P);@.E
M%'-%5=B$%+BBBA 9FIZ[9Z2F;A_F[*#R:P$\5:IJ3$:;ILB*.C3IP:/%7AR[
MU2YBFM@#L.<&MS1VN8;9(;J%(MHQG<*OJ!BMJGBJ$;Y;2W9!U"*<U-I_C6">
M7R;NUGMI.F9%P#6QJE_=P0G[%;+<OC@>8!7%B'Q-K%^KWFC1VT:GABP;-# ]
M#BD65 Z'*GFI*KV<;16J(XPP'-3U+T *!11FFF*P\44@I:W6P!1113 ****
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M5Q6^2 >16,]6"#CU%''J*./048]J@8ASVQ2C..:/I1G'4T 'THYQ1GO0#1<
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M4:6'<*FK[&>GB'7%'.F9^B&G_P#"1ZQVTPY_W#76 X&.#1N]%7\J1RO%4?\
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M%HI:*W9R6"BBD.:& 'I6=<\'_"M$X(K-N^3Q^E8U=C:A\1A:G&K**=9QR1Q
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MG&2-K>HJ-%N;/E905[ FDO=05&JCO%V83V;HU,AE:W?)R1[5=ANGG.UXF;W
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M]K_P%#)SXGL$\QWBG0=A_P#JJ.R\9[YQ;7=JT<G0FI;KQ2US 8K.SN&8],C
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MGFB@4TF(<*6BBMUL 4444P"BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH 8>M'X4&BN=[@@[TM)1]*0Q:3K12T )BBEI* #M2TGUHH ":.M%)GTH
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MW7=$N=38B&4Q9_B!Z5T-4[S4[6P0F:09'\.>:(MWT*1R4/A7Q!81,;?6]_\
ML-&*PM2UKQ'HUPB7,L!#'J0HKL#XTT_<0;:Y"_WMO%*NH>&=7<><+9W["7&:
MT3EU0-D_AS4)KZW5YI5<D=L5NDX-5K:WM8$'V6.)%[;!5@@FL6[L:%SZT=>E
M(%]Z7BDM "EHXQUI*>@"_A2'VHSBC- !DXYH[=:-W/2EX/2@3 ''%!Q]*,&D
M-/4!>E)P>E'UHX[8I7'8.:/PHI3^% A.>XHSFCGOB@?0?A1J,*./2C\*/K0
M9]Z.*0J/I2XP.M :!S2Y!ZTHY':D/'6@0F.<T4O;VH_*AW ..U&?6DS2T ':
MDXHY':C\J$#%%*2/2F_2E_SS3$&?:C)[T"E(]P:-P$HHHYI##BCOTHP#1TH
M7CTI**/K0 <44GT(HP>^*!BXH_E1^-'3O0(/I0.:/\\48_R*:$'THY["C_/%
M'^>* %X]/UI/H*#BCGVH& %*,9Z4G^>*.?:BXK!QGI^M+WXI.W:CM1N"0M)T
MZ49]Q2?E2&+UZT=^*3..U+R?2@0I'K24IX[BC'M^= "=>M)].:7_ #S1^(I7
M&*1ZTI;'04WZT9SZ4U83#/K1[T#\*6F,3G'/\Z3M2T<4,5A!G\*4D[3BC!S2
MDC:1QTH0'':EX3TW5K\O/= .3]P-@U"?A[]GYL-1D@/;.6J#5M!GN]7,EOJ0
MA<G@"3%21Z/XMLP#:ZA;S ?\]7)K97MN-C9M&\5:>N8]>21!_"Z ?SK!U&XU
M*12M[:VL_K(MPBG\A6_-?>+8ALO=.M[A._DH36)=RVCONN]$U&-_58L+51;
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MV N/>ID>1/O$D5:E=<LC':7/$YY$(OES&1S791?\>G7M6+++"]VOR@'VK;
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M.TD0!S5NPP".M:4[<]T93YE2Y9'00G*=:FXQ4,!!3O4U>M#8\9[BTE -%5N
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M4$>N:R9K*-E!BD&?]DTTQZC"@\MWP/>GS:6:,E1BM82MZEMK5T.0I%*HN$Y
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M:HIEBN[B//\ !(<"H+;1H]+^34_[.>/N9.M.\0$CTUTU2-X]3$J9Z UW4?\
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MM.S2; *!UHH%-"'T445LM@"BBBF 4444 %%%% !1110 4444 %%%% !1110
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M?-Q]*LQ:;<3#(7 J5M.C@'[Z91[ YK10>YC*M!:7*:Y'W?UI) ,<DY^M6O\
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MS%&$+,V.Y-<?9^%)XFW6.O-Y?H$W?UKK;6*2"!4FE\UAU;&,U,D0W<E+*.I
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M%'M1DT@%+B@ %'>@=:*0@_G1SWHSFCG\*8"TG-&.:7.*?J G2E /4TG!H(H
M#UH.:/I2X],4@$Y[T<^E+TI.>U "_6FT4[&1QB@!N*7FD( -'XT@%QWI>:3\
M:,4[@)^%'-&/6E[<4A@!1]*3ZFC\:8@S2CI24HZ4 )1SVH_*E%" /PHQZ4GU
MI>#0 =Z.!WH^M&!0 A)["@4N?6D[TAB]Z1^%.#S0??I3)B/*..F*:$<AJ<^K
M"^*K?Q119_NY/\ZLVIU[R]UK>V]QCLT1S_.N4UA;3^W"7U":V;/79E?YU?@F
MGBC_ -"\76X/9)$ K9+0&3WGBOQ38WZP2Z7%(I/\/%=-INM272J+FT:WD/;.
M:X^/Q#JL5\D$DUA>.3P1+_\ 6KHGUG6H0H.BQ-D?>20G^E$H^0'3YXS253TV
MYN;J+=<V_DMZ9S5S\:Q:U 7ZTJ_2DZ4JTUN3+8?S1]:/QI*TN9BT44M,8G-'
MUH^E% !]*/K24M( ^E%%%%@"BB@T 'TI*7@T4K@'THQ24ZFK '3M29-%+^-%
M@$HI:3!IA8*3V-+1VI 026D4G)0 ^HJ$Z?S\L\@]LU<IV1Z4G"++52:V9FR6
M3@<K')]5YJC/ID<H/F6>WW4UOTE9RI19I#$SCL<O!I5C!.'661&!Z,,UJ37%
M^J8M3$X XR*TFB1QAE%4Y--C)RA*GZTE#D7NZ&WUE5'>IKZZF.NL:G;S;+R%
M-I/4"K=U91W\0FB(##G I\T$L8VR 2*>_I4<*-;9>W8,/XAFH5_AGJC=RCI*
MFK/RV*L%VT!\J=2N. :N*=WS \'WJ-YK'43LD(CD'K47]D7=L?,MYED7TK/D
MDOAU13<'\7NOS+>P=3FDQ@\&J37LT'$]K(/5EYJ2*]MY/XPI]&-9N2)]G-:E
MD9SUI,$FA3&3E6!^AI^T]>/SJDR-AN/44N!Z4;3GI0>.W-/8&*$XI0ISTS31
MZ\U)OP/O#\:0F#9]*C)(]:1[B"/EY5_.JS7XD;;!$[GUQQ1=;%1A*70G8D#)
M/%4I]2"MY<(W,>.*G.GWMT,NRQ+[FF1V^G:8V991+(>U5R2>^B-(<BWU?9#[
M72S,/.O&(7KC-,N]4TRQ8)%:+*P[@5;W2:@O"F*(>O>HX[>U1\06^]^Y)K1J
MRM"WJR5-.5ZEWY+1!9ZXESE5LS'D5G7^DW5Y*66,;2>YK?6UN6'WTC'L*>-/
M1O\ 6.6/Y54H2FE&6OX$1Q$*4^:GI][.93PV(U!EN%3V"YJ9-&M ?]=)(?0#
M%=*MA;KT7/U-3+&BC 0"I6%BN@Y9C4?5_D<_%I4:'*69;W9A6C%:2A<!$B'L
M.:T<45K&DHG+4Q,Y[E,6"$YDD9_8U9CC2,81<4^C%4HQ1BYREN&31BC%%6K$
M!111QZ4AABBE_"D^E.P@.=IK+N1DG-:9X4UF3D G K&MT.BAN85\.>IJQ!$6
MA D 93ZFH[@ R?.5QGUJ^EC:-;@D$9[@UQI7E<].4TH),RKR+[ !-;W&&/\
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MK>DRXI7T ZBW=I(%=QAB.:DI$970,I&#Z4M2P"E%)Q0!0KW ?11170(****
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M['FUI&WVJ5K;5;L,#TD)VU<_M7Q CB.WU#3)/9PQ/\JUM4T?5W#16+H(WX/
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M_P!D>(YP4;Q/&%/HBU:TSPB+>7S;R]^UOUSC%#V ZA&$B!U/!I121HL:!5&
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MI@+WPU:3-GB1MHK5-M;E=3H=&NSJ4OD7,,<\(Z,PSFN@CT73()-\-C!&_JJ
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MBWN-*U&\NDSR&DW 5ULF@>'HHF<V%F0/50:S['6]$M+@P6EI! V<?NU _E2
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M)M'J:.!QDT%/4?1N-,X]32 'UH%8"H<Y.:4>G/XT$[?4T+N;J,?C3L [ _\
MUTN":,&CD=J5B0Q24TL2< 48)ZDC\:+%6'$C'6F>9CWII49^\32JOM18+"F3
MCTJ')9L;21ZT^2)FI\<91>M ]$A8XU]*DQCI3.<T[DT$-W YSS^E&0.@)H(.
M:3!%!(^F\Y[_ (4F2:4>V:!V%Z=J3D=ORI2/>E%,5P)X[TWCJ,TXC(I ,=J
MN+R133QZT[-&10+4;2BES10#=Q,4FT4[&128P.M%@%[4AS1@^M'3U- 7 'VH
MZ]C1SW&*,8[T^@@!^M.!I@SWIRK0OB&.YHHYHK2X@ZT8HYHYH /PHYH[T=Z
M#FCZT=Z.], H^M'.:*5D =*#1SFCO0 F*6BEQ18!*.:#1S18 X%'-!HYH 2E
MI*7F@ HYHHQ1J E%%+@T"$XI<FBCM1884GX4M)S28"&E%)2\U,4 4M)2BK 2
MC-+BC%"0!]:/I1BCO0 ?6CZ4'K24 +FBD-'TI +2=*6D-# 2E%)S2BI0A>:,
MT<T58PS11^%)0 M)2]J*+ )1Q2X-&#2$)2T<T8IZC#FDS1S12LP%S2<4M)0
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M<;8AY;;O4*<U"\Q+<P[/=FJ*S0^5^Y^1L?Q<4P+*'/VIMR_[/-0WH-12DRY
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MZ.]%@"CZT&B@ ZT44&D 444<4 )2\>E!Z4=J+ )12]J*+"$I:.U)@TK,84M
MZ4=NU.P"44O:BAJVP#:7%)3A4I""C% HJK##I0*.]'>GML =Z.] H[T6 ,<T
M=Z.]'>@ -)QZ4[%(>M%@"BCO0:5@$.*.M)2U"0"X]328I:.?2KL ?6C-+P.M
M(3[4[6 #24O:CM0 4?A1BCM18 Q1FCM1VHU **.U'X4"#%&*.U':BPPI*7%%
M*S$)C(QFLR]B=3\A'/K6H*J78!-9U8IQ-J+M(P)]'N+H;O.1/?-01)-:MY?]
MHQ<=L5O,O[D].G:N6EABDO'$AQ7#4BHV:W/6PTY5;QD]%Y%F6)93DWL>?:FB
MVQTOT'X54^QQO)MB:K<6DKP6E45EOT.EN,%\7X(>(IL8&I+CZ4JQ[&R;V,M5
MF/05<;C*-M3?V+:1K\VX^]:*+['.Z]+;F_!&;) 96R=00>U.2-8QS>(U3/!8
M1-CO[TF=/Q@A?RI65]2N:ZLK_<B*1!*,"\C6D2)HEP-00_A4RQ:<YP/Y4^33
M+1ERNX4<M]4#J)>Z[_<B@8"9-YOTJ<Y9<&]3ZXJ%]'+-^YD3Z-FHWT>]C&3$
MK#V-%G;2)K>G*UY_@AX@YYU)3GMBE^RQ <WB'-46C:)L/%M^HJU%;VT@_>,!
M]*2UZ&DERJ]_P0&Q@)_X_$-.6PB) 6_13]:9/;6:?ZIR?K581H'4C'6B5E;0
M:YI*ZD_N1JW,-U;6ZD7"2J>E11:7/<)YC3J@/M5NZ&+",C%6;8_Z*,C/%:."
M;./VLHPNM[]C-71B6Q]J&1[59@2>TD"&566I(LB8G Q3G_UG05,(K="E4E+2
M6J.@LV+0@U/5:Q_U JSVKVX?"CQ9_$Q>U)1139("EI*.HYI(#D_%/BJ#1F6.
M;3)+M6ZE%SBJFD7?AG4V60VK6TAYQ,<58\4>'-2U6>.2SG@C5>HD)&:8?"JW
M=NJW,]NDR#AH6[U5@.H;RK6T+V\(90. @ZUS]KXDBN;MHKC2KF$@X#,O!JG#
MI/BG3<I:W]F\9Z>>YR*MV&AZM/+YNJ7D+8.0(&.*3789U,3*\891@$4ZFQ1^
M5&$&3BG46$%**3O2CK0MP'4445L 4444 %%%% !1110 4444 %%%% !1110
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MC%<QJNF:6 7V7,3Y^^D3-_*NFO\ 4$LTR8WD;L *QD\2W.\B?2+A8O[V5/\
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MO0 'KU_"C(I<C.,4;>:&%A#@_P 7X4F<< TK#C I I'5J %SZFGJ"3PV*;0
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M*** "BBB@ I#TI:82<]12>P!12?6BLA"TM)0:!BT4E!H *6DH- "T4G:CM0
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M"\TQA%:1E&)QO(S4FFVVN:M9I<R>)5BWC.P*HQ727VC6.J)LO+=9![\5F?\
M""Z&/NP.G^[*W^-7&4$K6$T[E=]%U=%)3Q2JD>J@US__  DVM:3JWV::^%]&
M#CY4 S^5=*? >A/PZ3-]96_QJ[8^$M%T^0/!9@,/XF8G^=-5(VUU%9EW3KPW
M]JLYC,9(Z$U+>.R6S%<[L=JFV*!M4 #T%1W'[F$N0& '2LKZZ%;(\T^W>+)_
M$AAM[R2*VST*9%)J_B?Q+IVK16'V]27P-QB%;3?$*SMM7^PO9/NSC<J5%K%_
MX7U!Q+>VTRR]I <$5T+SB0T6)D\5C3C.NKH,KGB-:P](UK7CJJ0WNHM*"V,
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M/)Y]Z=L!YS6!8[?BDWY[T@3U-*8U/_UZ T -2_0TQE]J H/6BX#P31D]ES2
M#VHVGUH 49STIW/]VF8;UIW)&*0"9 ZT[*GH*:1ZC\Z3;0 [//W>:4L._6H]
MN*< #VH"R"G9'?K]:C9?6DVB@+$N#UHSVI@! XH!:@!>_2G<=Q3?F]J7H./T
MI@*#CJ,5(I!JN,D\@5.B@4_0B2T'T9I#2U5V9"]:2BD& >E.X"T4G.>U+1J
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MB2QAQ#;K(QX^<A1^M$=-AILXS3OMI(6+76,O]V=F_P *DU&VU91ONTTF>/\
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M2TB:*6T-Q&1RH7.:Y73].M]3#2V=CJEF,\B%E0?SKNM:^VK;,UC8K<38^7+
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MMV.!,A/LPKR76_BU:WNFRVZ6;*S C(8UD^#+@WTWFEW&7!QN)INEI<:7<]T
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MW#OBFG/<XI&<?WOTIZCL/R/:E%1Y]#BDW-G[U*P6)1U[48Y[4T9(ZTAR/XJ
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M=Q<#L11@^HIM.R?6@!/PI0<#H*;^-'/7.:&%AX/':DP?44F1ZT8R.#3$&?\
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MQ3.?K3JR6XA:***H I>E)2BF "@T4E4 M% ZT=Z$ 4<4=^M!ZT, H-%'3O2
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M)9V0CDE$C>H.:T:Y?0-)O[6W&-4:1/1N?UKI8]X7#G<?6LWOH2Q]+BBCFC0
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MF7&,5<91L8CJ!69H:7B6:&\SYA'.36H_^K<^U<>TB[Z'"Z[XFU33IFBM]/\
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M*71-9OHC+<ZQ-IT'=!<;S^>:VO#-MI%D0BZG->S9^\[L:4M(@MSM@,(HZX%
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M&(_WT!Q6;?QZ5]JC:SGO(CG[FW/]:ZZS?7)]P%]:R_[#0'_&L_49]9T^3?\
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M:YC<G&Q<U3"WXOFO3HK-&QR$V\_RJW9VD^K^(9H9M1O8X\G 1\5TI\"1$_\
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M7.MR6'6CZTO-'-58 HS2<BB@0O-'.:*!3&'>BEQ2=Z& 9HZT8HH$&*2EHI6
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M[_E_]>J.K^+;F*41:?'&&/&9A@4D2^*;M!(U]IR ] KFFKL=RZ?"3]M0<?\
M ?\ Z]:>F:1_9V?](:3ZBN>F'BNU0NE[IC*.H9SFK6@>(;^[E:*^2$L#C,/2
MAKN!U0HXS0N&7(XH% A<4#K29I01FFMP'4445J 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1124GL TTE.I*YVM1ABC%!HI60!@TFT^M+2T60
M"8-'/K2T460"<T4446 ;S2XI:*5@L)5*[Z''6KU5+H?*<5%1>Z7!VD8,O#Y/
M7Z56:<I(&*E@/:K<Y^<YQ^-/%L)H"0,GVKS9)MZ'K1G&*U);76;54^=,'_=H
M?5K>:0!4 ]\5D26TD;$%&Q]*8L>&W+G/O5/$U+<K']5HWYEU+&ILS\J2PQZ5
MEV11)3N8 YKHK.1739*JD'UJZNCZ>1YF%R?2JAA_;/F3%];5&+IM&--&DR#?
M'N]"#5?R"A_US(/0K6K=R6EJ=B[OK2VD=G/]^?.>S&LW27/R7$JTHPYK.Q4M
MVC7(>96^O%9NHV\C/OY"9X(&:ZDZ9IR#<73\2*S[NXMH?DB(E]AS6M6AR1]Y
MH5#$-SO&+*&FSQ*H1F ]SQ5R:W1_G!#9]*FM+"VN\,\3H3ZC J^^F6JICSB!
M]:*>&E*%[HBKB(JIHG<Y:?9$_P!\+]34L-XCIY;,67V%:;Z?IRRY8M(??D5>
M@LK(@%%1?85-/#R<K71K4Q,%%:-G)265T+CS;6)V7Z8J_:QW;./M$2J/=Q72
M2V:[/W<K?0&LI[-_,Y< >K&B>&]D][A'&>UC9Z?F7K;[%&O[PKGV.:9=/I\@
MQYGY"JOV)>\BG_=-)]A3M',3[#BM75FX\ME8P5.GS<W,[D(CL4Y$9D_$THEM
MQ]RUV_K5R&R?^&(C_>%6OL,[=5C'TJ%2D]E^!4J\%HW^)F>?-C]W$1_P&D$E
MTW4$?\!K7&GOCER/]TTHTM1UED_.J]C,AXBFC%S<@T9N3T8#\:W?[/A7JS&G
M?8K8=0*KZM)B^MP70Y\1SG_EHN?]ZG""8]7_ %K?$-HG\,?YBAFLHQDM$/Q%
M/ZKI=L7UR^R,#[/*#]X_G1Y<@Z-^M;;3V>TD-$?H16:NI0?:2C+#MSZC-9RH
MI=2X5Y3Z%0Q2G_EIC\:=$I#X>08]<UL";3V7):$?B*<%LG'!B/XBJ5"VJ)>)
MNM44DL[!_F>==W^]39HK>(?N95_[ZK0%M:$YVQ_F*&L;5^BI^%=$N:4>6R,(
MSA&5[LPB\X/RL#3DFN@?ND^^VM@Z7"5^4L#55M%G+96X<#ZUBL--['1]9IO1
ME0W4X^\A/_ :0W@_C@)_2M%-*=5YE8GW-!L+@#@1M_O5+I30U6I&9]HM2>8R
MI^IIXN$X\NX*?A5A]/F!R84;Z"HFM>/F@D'T%1R270OF@^H\,)1B2]S^&*?'
M:1Q'S$N@Q],U2-DI/!9?]ZHFLY%/R2$_C6T:SBK<J,WAX2=U(V5U#8=K1L0.
MX&:L)?0$<N1]1BN?C2Z5OXZTH[.ZE3(5?^!4H\TWH34I4X+5FB+B%CQ,A]LU
M,K!AP<UAOI\D9S(H'NM.B1E;]U.V?1CQ3:E!ZHQ]E"2O%E^XL)ISQ<[%],4Z
MWM9K?Y3+O7Z57SJ6/D\LGWJ6*:Z3_CY"CW'2MY7Y;\IC9WL7?QI,D=J8LT3]
M)%/XT_/IFL4[D\NNH9_"C(I#DGO1T[&@=D -+D48HV<]:=A:"T?C01QWH  H
M=PL@R:*6DH$PHHHH *,T44[B#-%%&*5V &DZ]Z6@#'>G88W:<YW4O/K2FDQ[
MTM@O<7K1CFD&13N.]) <EXNCL9-HNTD(]4!_I7-0Z=X?C^:WU">UD]9$;'ZU
MU?B:[O[;'V.SCG]Y%R!7-I?ZU*?])TNPF3^[''DUO%]R^A1U.]U"R$?V;Q?;
MR1YXCVKFO0/#MP]QID32S^<Y RP7&:XJ[U72[(*UUX1FWYY86W%=7H?B32[J
MW1(D^S<?<88Q2FK] .BI,'UH5ED7<C9'J*,=>36:1'4XS7[ M<-(5%T/^>(D
MP:HQVGAR2WVW^EW=L_HJ.1^8JQX@M;.:];S=1DM#G[X?;4%KIER(O] UV*['
M8339%;1+(H([>UN1_9-W=>6#Q&86/ZFNVTR6>XMQ]JAVG'\0ZUY^=2\3V>HB
M&1-/$6>62N_TF>2XM@TDB.V.=IK.:&]B^JJG"J%^@I3G/6C'/4T$9[FLB1>!
MWKG/$IU5E"V3,L9^\0,UT/Y_A7.^)$OF4"W,BQ_Q%*N.^HTD8%GX8>YS*NLR
M)+U.Y#Q4G]HWVA7"Q2:S%>*3C:2%(JO#I&EW60=?O()CU5I<#-1?V1'I=RKF
M6TO%)^]*=QK9[#6IWVGZBMY$I .XCTJ\<^N*R]+O;>:)4CC5& _A'%:E9-&;
MW 4UF"]6"_6E/0UQGB2U%P<-JDL0STBDP:228TKG9@!ASAA63>^&M.O9/,>'
M#^H.*YBRT*1H5^SZO?EL<&27BJVHVGBVP^:VNEF4=MQ)JE'S'8[ZRLH[& 0Q
MYVCUJQS7+>']3UA[=5U"T?=W(4UU$;;UR5(]C4RCJ)IBC/<TM%%)(D0D \L*
M48/0YK'\113R:9+]E9UEP<%:X?19_$]FL@FO[-5SQ]I?FJ4;E6T/4#1S7GLO
MB.^M\^;K>D ^GFUEW/C[4;<_Z/)#=-V$66S5<C#E/5B?4T;@>^:\4D\8>.=5
MNHTAT>9(2>66(UZ=X=AO%M5>\,@D(Y#]J'%KJ%C=JM?1^;:NH?;QWJR:9+L\
ML^9]W'.:B]A(\9EEN]#UN>5([:Y#DC!N%!'ZTRWTX7&H'4+PVNU^?*-RO'ZU
MW%];>$#+*TT]H)\'AB,YKS^VMM*/B)A+.GV7=QD_+6Z=U<TN;NAZ<3XD6>W>
M!(<_<28-_*O5QG:/I7)Z1:>%X[A6L+JW:;^ZC"NL'3CI64V2QC8[TS'H:<RC
M/)-)@5CN:+87/:D[]:,>YH[]Z0"EL"HRQ]_RI^?6D..WZ46&AH^I_*G*WM29
M'>EX[4[6&Q=WUH)ST-)SW_2D_P \4A6'@X[T;JC_ !H.>U%PL2BD)P>M, /=
MJ4@CWHN%AP;/>@MSUJ/\Z6BX<J'[_P#.*,CO3<GUIIZ]Z=Q<J)0_:C(S[U"1
M[FC:/[QHNPY439]Z"?>H I]?SI1]:+A8EW#O2Y7NU1_A3< >M ^4FSCO03GO
M48/L:4$>XH%8>#CO2Y]ZB)P>,T'IWH3N'*2Y-'7OBH Q![T[(]:=V+D)<XZ'
M-&3GKBH\TGYT-ARDV[WHW5#S[F@-\W(-*X<MC+UFQT.Y0G5#&!W+/BLS3[_P
MMI:&*PE9D)Y" O4'BGPQ/J;FYMY\NO2)C\I_"LG2Y]4T=#'/H"R8Z&WASFNB
M*36Y)KW_ /PBFI_-<V]S]5A=?Y"C2[7P9;RC[/(BR9X$SG/ZU$?%%V5*CPY>
M9]X.*P+S0M9\1WL<R6,-DBG)W)M-.VFKL!ZI'Y?EKY+#9VV]*<<D8/2LW2;-
M]/M(XY)3(P&#SD5HE^.E8-ZZ#L5/[*LO-\PP*7/>K@CC1-JH .W%,W4X/GJ:
M7,QM&1JFFZE=H5LM3%KGOY0-<]8^ +N'5!?WFK_:'SD_NL5V^\"C>/6K51I6
M0N4(HQ%&%!Z55U-?,M2#.(!_?-6MP]:I:K UW9M%'@L1WJ5OJ%F<M8>%]*;5
MA=OJ:7,V<[=W]*ZNXTJPFMO)DMHRA&.  :X"+X=WLFJ?:I-0F@3.<1/BNA_X
M0H;.=;U/_O[6TFFOB%;N8VK^'-&TYFE&DSR1]25D;%:WA;5-(\ORK&V:#G&&
M!_K6#X@TNVL+22(ZMJ\KD<*'S47@>UEC?(BN2N[[TXYJVER7N'4]2&" 2:7(
MI@/R+R.E+N]*YFQV'9'K29/UI,T9HN*U@))HSZBD./6C/%%QBYK U[PS#K:;
M6D,9'<"MW -+D#J<?6FG9B9R^E^$Y]/=5?43-"O\#)6Q>Z3#<6YC@V0.1]]4
M%7P\9/WP?QI3MSQ5.3; XFW^'JIJ'VN>_:8YSC;BNQMH$M8A'&.!4N1_^JER
M!V-)S;W ,YHW4<'I28Q4[!8"2?:D&?6@>^:=D>_X4 ("?I3@:3 [48/_ .JA
M:!H+G%)DT?B:3'UI@DD.!]:4D=C32/6DX'3-*X60[)/>ER/6F\]<48..E%V%
MD+N%+GWIN#BCMWHNQ<J'9^M(3[TG..])1<.4<&/K2_4TP#OS2X[\T78[(7-'
M--ZGTIP '<FBX,,GL*>.>M1C\?QIXS5IZD,7FCZTF:*H0M&?6DI>*!A1S1]*
M*8"]Z3KWH[T47 *.:3/UI:$Q!1F@TE%P%K@/'4EXL\:Q2/%&3RP3(%=]7$>,
M]5NK65(;>*&3?Q^]&:(O4I&5#9Z<UEO;Q) )<<J6&1^%0Z)]J2^Q:WK729Y*
MIQ6;?V>I6P24Z=IA+\Y5#6OH6I:G92(LUO9(K?\ /!<5I+5#=STFVW?9UW\-
MCGBI:BMY&E@5SU(J6H>Y(G48/0UQGC'P+#XAMR(0(Y/6NTXI/SI)M!<^>+GX
M?>+=$N#]@BEDB!X9'_I3?+^(2#8L-V!_US-?17YT<UHICYCYWMO _C'6[@&^
MBF1">6=L?I7I>D_#;3H=+$%Y&KS8Y>N]HP*ES?0+W/%]=^$%X9S+I4Y ZA0<
M5AGX9>,/N^6Y'KYX_P :^A**?.[!<\1T;X0:BUPLNISE0#RA.:]9T?0[71;<
M16Z@8'-:O%)4N705V%+S24HJ$ "EI**H H-%%%K@ HHQ1WI@'-!H[T=Z0 **
M7O24[ %(:4T4K: ,P?7%.'UH-%0M!"BC\:.*.*O4!:*3&**!BT4E+VIW **.
MU)0 =J.:.:.U( [4M HZ4 %'XT4@H .:6BC%.P"48I11BE8!N*7\:,<T8%)(
M %%&*._>F 8H/O1WH^M  /:EI._%'UH0 :**#2 ;1S10*C<16O?]0W/;TKE[
M3!N6Y[UT]]_J&Z].U<Q: "Y;KU[5R8CXCU<%_"D=+8XV57U'YCTQ5BQ^YTJK
MJ*G/4_A71)+V1SQ_C&?>Y6!.:N L;%..U4[U<0)SFK6#]A3G'%<^[9TOX%ZD
M<&[<<G]*+?F_Z]_2D@."><TMOS?]QS2AT&W\7H=&G"C)S2\TB_='6E[=Z]=;
M'D,**.U% !1P>HI,4R:,RQ% S+GN* 1BZY8Z!.,ZF\2'ME]IKGQ8>&T.+>[E
M _V=S4OB#PW?M,LT&RZ5>2LO)_"I+'53;1B*7PW<[EX+)!P:8R!M/\-L?]+O
M),?[>Y:Z+0K30;<9TJ2)SWVR;JQ[W4UO(S&GANYW'H9(.*=X:T>^MYFEDMX;
M92<@(N#0!V@HH487!.31^= A:!UI*4=::W =1116H!1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %)2TAI/8!M%&**P:87"@T44K &***,46&)]:
M6C'K1Q2L G-+^%'%% A,>M'2C%+VI#"JMSRIJUVJK<_=/2HJ?"5#XCF]1X5@
M>M4+&[FM\A6.W/2M._Z-QGZ54LT1E.X<UY=3XCW*;7LM5<TH=0BF7;*<4Z33
MX)QF-\&H8K$2-G "U:>:TL4QPS^@JE=KWCEE92_=WN47TR>/[I)%1 M ?G?;
M^-/DGU&^;]P"D?O1'I4*'?>2>8WH#FI46W=(Z$VE^\>OEN(=2CQL">83[5'_
M &;-=G=Y?V=3WS5X3)&-L,2H!W IH$TI_B(K1Q35GJ2I..L5;U((])M(#F:8
MRGTR:MK-%",00!??K3!:KGYI%^@/-3QP-TBB_%A51BULK&<YIZS=_P B%GFF
M/&:!"PYD;;^.:T8]/E?_ %KX'HIJVEI#&/N GU(K6-"3U9A+$QBK1,98HR>%
M,A_*K,5M<$X6+RAZYS5Z:[M+--T\T42CNQQ7.ZA\0=$LB5CE^U./X82":VCA
MS%XARV1M_P!GL3F64M^E.:U@@7<$W'ZUY_>^.->U(%=(TF6-3T::,BJ$>E>-
M=8;_ $W4X[6,]1#(584W"$03J2U;T/1_[22)]K1HH]2PIEUXFTRR3=-<QC'7
M# UQ2?#2.2/S+[5]0N']Y<BKNG>%M L'"2V<<S_WIER:CG4-V5[)5%>*+5Q\
M5?#D#%!.[-Z",U5/Q.,__(/TQ[@=B25KH/[.TU(\6^G6X]"D8JFZ/ ^%C51]
M*J6(Y>EQPPZGY,QV\8>*[H?Z-X=* ]#YHJ'[5\0+ML)']F!]P<5UMK.[@!L?
MA5X%1WS_ +U.-=O5$2I<FC.)_L#QM<KF?Q!L)[>4*8O@WQ0[?OO$3%?^N==Z
M.1V%'/?GZTO:R9"7D<')\/KF1<SZS(Y[X!%9[?#JT,F)+^5SZ;C7I4J@IR0*
MQVV>?@'/-9U*TULSHH0C)'.Q?#;3A%EIY2,?WS5 _#K2_M!'VB3KTWFO0>1!
MT[=ZRPN;G) '-3.K/34NC!.[9ACX9Z2T/$\@/KO-9DWPZLX9<1W\H_X$:]&C
MV"/!"FLRZ5?-SM&*<JL[7N32@G)IG-6O@-MH,>KR+^9J9_!VM0_\>NNE?JM=
M']ICM;;S2%4 =Z\P\9:WJD]UG3IY$'_3)B!6U.4Y+<SG"*EH=4-!\9PC,6O[
MB.B^4*3S/B!:]?\ 2 /H,UF^!-=U#"PZA/)(Y/\ &V:]0#?(IX&1UJY3G#1F
M5E<X9/$_C"V'[_03)C_IH*3_ (67>6I_XF&B/ /4-NK5\2>,+/08FW_/(!P!
M7#V?Q,FU>\$"Z?\ *3C.RFISM>URE3B_(ZN+XL:"[!7:1&/8QFM^T\7:3>(&
M2Y09_O'%06NG6<]JLUQ:1'<,X*"L'5['PTTGE3V]G$S<?* #6;JK=H:HJ3M$
MZIM524_N/+<>S U=C2&>,&1!D^E<!#\.],9?-L=0NX-W(\J3 JK<^&_$VF'=
M8ZT\JCHLTI-)6W;^\;CKRQ1Z0UA%UCRI^M,,5[']R3</3%>>6WB_Q5IA$=_I
MOVB,=6A0DUN6GQ)TM\)>0S6C]_-&T5HJ::O'\#-RJ1>NIT$K3E<30G'KFJOD
MH3E'*GZ5<LO$.DZA@6]]!(3T4-DUHM$D@Y52/I6<\.V7'$<O0QO,NH1\AR/7
M-)]ON#Q)R/I5V:"U5N)0C>QJ$Q2 979*OYFL94YK9LU56G+=%8FV<[F3:WJ#
M4D9E7_43;AZ&F/%&Y^960U&ULRC,;!OI63OV-?=>E_O-!;YD.)X\'US5N*>.
M495@:PTGECX?IZ-4GF02]04;U'%7"J95,,MTON-W@]J/H*QXVNH>8Y!*O<$Y
MJW#J$3G;(/+;_:XK533\CGE1DM5J7<^U'7I2 @C((-+UJS ,&C%)S2T )12T
MG-%@%Q2444K %%+28%%@#%%+BC%"0Q***7BBPA.*44?E28H YSQ-/>Q@+;S&
M-#]X[<US=IHXNY-T&O;)NI!3'->@W$UM$F+AXU7OOK(-AX>U)RL:6KOWV 9K
M1.Q29@2PZQIQ475XE_#GA>!74Z5);36ZD6Z(^.F,U23P;IJ2;_G(_NGI6U;V
ML-M&$B0*!Z"E)ICNB; ' &***.QJ-23.N=)TZ[<FXB1F/J:HS>#-#G_Y=B/]
MUR*R/$$-A+=,+B_DM/\ ;5]M4[73I?+_ .)5XE>=NPDGS6D4WLRC7C^'>A17
M(G6&3<#GF0FNEMK2&TC"0IM45YW+K7C+3I_)+6$J#^(Y)J^OBS78X"[Z=YS
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M<J3@83)K2G\0F96GZ;:Z-IB:B;DRS;<\O5&'4=>\0ZELCU#R+7_=!IJGP]-
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M)_NFOG?Q3#<SZ],MCO$FX_=JX),I*Y]!V5VM[ )5P ?>K/XC\Z^=K'1/'DD
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MB/$L;W4S0PV,,C^L@&/UK-L+."U3;?:6(SWD@?;_ .@UJ>*7MCN69[UO]FW
MS678):+9Y&J7]FOI=!1_2KZ%DL4GAA[]8]EV9"?XI7(KNK**VAA7[,,(1ZUQ
MMK:S7,@6+7+>:$_W=N?Y5U^GV*V4.T2,^>YI,EESBBBBH)#O7.^)H;V4#[+
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M1110 4444 %%%% !1110 4444 %%%% !24M)2>P#312FDKG8PHHYHH ****
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M1CS[6[23N! Q_I5&\\0ZM(&CT_2[ER>-S(5_G5>\^FA%]=SF;ZTN5F:'6K>
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MX5'+>8*=H7BZ/6/E-F(&SC&:F3O'1 CI_P"$9ZT9!Z4TXX/K2[JY[EV%P*3
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MS5#&FZQ JR1@MC@CC%9]QX1O8U+Z;?%3V4C-9I1D[Q&Y.'NS5C8DO[:1MB*
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ML>?O"KA&37O*X_W5_<E;U*-UJGBBX??8:*T0[;XR*2#Q)\0[<\:?$0/[R&M
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MOC^)#BNA8$H=O7M7G?B\W\5RAF,S09^;8Q Q^%**U$B6R\/>&K-FCDUOSW/
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MO:TVEQE(VWS8X6L&P'B_709(KT64>>!Y8-1"FGJT2YNVY)'XJNT.?[$OO^_
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MD-+25FR1,TM)2_A4H!>:0TO-%588F32YH'THQ0DP#-%&*!3 6DS2Y-)]:/0
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MXUN7FG:O<6N UG,/[L4>T_SK,TJ!;2^$=Y92H<]3("/RQ56E8?0[JQ,)MQY
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ME%%9^HA*44E.H0!S0**!5##%+Q1FDS3N =Z***2$'>CO2XI*+##O1WHXHZ4
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M<G$GK4\-TUL=DF6![CI75"MTD<LZ/\I;NM/M+RW:&:(,C=17E_B#PA?:)?\
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M"R8IZ=/UI#C'2E_*DSGTH] L)SCGI3OX>E)CU-.[<8H"XG;FC( XI,'U%)0
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M!QTQ^-)QCBG8HZ= *+,+C1D#I2@^HQ2\]Z*; *6DI151$+10**L8=^*!110
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MXIU)3=V)1FBER*H@*,TE%%P%I*,>]+1< HI** %I***+@'-'-%%( S1112N
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MI*3H:.]%P%HS24=:7, 4@H-%3?741F:O_J3]*Y.T)CN22">:ZO6.8CTKG+)
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MVVSW4U8AFL9_]7/AO0BL];1G'[YEVU5F>UA;;'&V[US5\[WD1[&$M(WOY?\
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MFG5#C[J#_@5+VB[C]G5:(HO"NA0C":7;?78*N1:3IT'^JLH4^BXJG_:4C?\
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MCBD%+2NQABBBBG< S1Q1@T4[@'XT#K24X547J(=1116X!1110 4444 %%%%
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M,QD!R)$4'WYIB+EA\\Q_'BG26L&<L&5A]33TN)5^2.5-OIQ1ZBO[NA;VMY7
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M4JYK$'L/HIN .E SW%5<SL/HI.**=V(*7K244[@%%)@4M)MC%HI**+@%)FC
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M%%+2:N G-'%%+F@!****+ %+BDI:-!B8^E%+CWI*8@YHI:*5@#%)BC\:6BR
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M44 %,(^;J:?3"!G.*4@%/XTG>BC\*SZ@%'UH_"C\*0@H_.C\*#]*!A^=%%%
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M%,^RZ1>_-M@;/H0*M,HYVQO_ "+I8-\5V,_ZQOF/YUV46UD5MFWCTJ&"RLX
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M )_GBBBDSBE="%HSZTG6C%+T 4<TM(**I#%HH[T=Z!!F@TG>E- Q**7OS0:
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MBBB@ HHHH **** "FFG4PYW=/UI,!>:3-*:*R8!24=Z#F@ HH-!I %+2&BA
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MO:D[4 %':CM1VI6 !1^= HH ****+ %'>BBG8 S2BDI13CN ZBBBM0"BBB@
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MA>"$))+YA'\6,50TZ#48$59YHI%QU!)-:E9.3$V+124M*]R0HQ[TG-&/>DV
M44FW/>E%, I<@4F:.OI2 4<FN=\5W\=C:!GMA-GIDXQ70UB^(KRUM+7_ $JW
M\X'@#&:J.HT<AIC:QJ#[K36K:S0](P Q%:<FG^).B^+(@?\ KD*YV>TLW?[3
M'8ZC K<@Q,H'\ZC<V\:9,6K'W\Q?\:U5K%6/1-(M]0BC O-22Z;NP7%;#9QQ
M7)^&9X)(U"&X!])2"?TKJSNK)B(N_)YIW-,9"6ZB@!EX)%8LM6'9]32XI,4F
M#ZTBA<C/)HQGI1@>U**0AO(ZD4[-)M!H  [TQD-Q&95QC/XUB2:/(\I;I70D
MXI">.OYTT[&E.K*&QA+I\R#!4,/K5FSM9XY<X 'UK0,B+U:J[ZDJG:J%JKF;
M+YYRT+P/'S4A'I5(W<I7=Y8 ]ZSKG49!D*P!I69$:,I/0WA@=<4$KW(KE&O+
MUAP>/6A)[EN'D?\ #-/D-?JLNK-VYL+6XR7(Y]ZJ)I>G1?QK^=9WEW;MQYA6
MGFUN"O$;D_6JM;=FB@XJW.:)M--'4K^=3P26$ PC*/QK ;3K\](B/QIJZ9?Y
MYC!_&E9=QNDFM9G4F[@QD2KCZTT7]J3CSES]:YT:=>XXC/X&F_8+E.6@/X4E
M%=S/V$/YCJ/M4'_/9/SJ.6.WNOO.I^AKEWCD_NLN*8LSH<!I!]*?+8I86_PL
MZ:/3K16RH!/UJ<6=O_<%<_;I/]]96^A-78K^9&VO@TFF1*E/H[FND2(?E4#\
M:?D55BNDD'H:LJ5/0U+\SGDFMQ32@$#K2?C2TD2%)QGK11M'>@!0.^:..])@
M#O2]J+@'THX[T48]:-P$.:7ZTN#013M86X9SVI,^N*,4A'K2&+P:!2<48H;
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M.:2EYH0!^-%'UH'7O3 *7/I2&BBX"44O>D-2 =JS-0N63* ]?:M,5E:G%P9
M&./2HK7Y+HUP]G-7*T5GYL9=GVGWJI-I]Q(<178^E6;*=)?DD8CVJW+IJ/\
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MTR[4-%=0/GW!J5Q82<,L#9]0*T<NZ#0HV_B'3OLZ>;=+NQSGBK]O?6]U_J9
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M1ZQSD_TI]AKFI75R(I]),*?WMQ/]*?*[%79O=.*.:7'&:3%18@6D_"BG8IV
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M@*CCO(96PK'/N*MY4CD#\J0B/J%&?I6CA&VX:"49HS168@HHHH /K1FCZ44
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M2JB_E9SZW<;MB-6'U%6(B9#\P_(5K;M/3K)'3#?Z:IQ]HC%'-Y%>T;VB55C
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MNCG222,K')L;UQFN.U[X>1:[E[NZ#'_<Q6D%'[0FVD&G^+?#.H3AK.W!.?\
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MZ>/:JB9R"B@T59 GTH^M%+2 ****8"48-.I.G2E;N GUHI>M'THL E I:2D
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M^^Q5>];8GV=-OWID\NNR3?)"FU?7%56M9K@[]Q)J1=+E[R1#_MH*?_9UVO\
MJ[B/_OL4FI27O(UBZ4-*;2*S6\D8Q("/I5_1<><W6H_[-NS_ *R:,_\  Q5S
M3K7[,Y:6:(#_ 'Q5J+36FA%:K%TVKW9: 'VANM1W'![THN8#<, Z?]]43%2<
MJZ'_ ($*J35M#BC=/4BN2/LXZU6TH#^T!UZU8NG181ND3_OJH-)96OQA@>:F
M/QI&R_A2.T7[HI:%^Z**]@\(**.:*& 44?6B@ !HHHQ2 **.?2BF 4M)1B@
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M^^/SI=ZD\,*Y1]8A4X,$F?\ ?H_MA-N?)E'OOJ?K,2OJ%3^K'64M<I'K5O\
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MT444 +1244QBTHIM.%7#<0M%%%;""BBB@ HHHH **** "BBB@ HHHH ****
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MFY2X'^K JI*BXW@Q*5:,K32.9ECVWBY4GGJ6KH+8@*O^-8=P%6]7:".>];,
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MHIB <]:**,'UI-#&'@\C]:"1VI2!GFD(';%0T6F)0,T4M24%-Q3B/QI *+
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M#3Y6CU?177'&5;/]*?+XY\'^($\N]LI$8]R!Q6EY%W?4GT[XK><H^U6,GN4
M_P :W(/B5X>DXFFE@;T=#_2N27PEH]Z3-H6K0QN>1&W-02Z!K.F$M>Z=%J$
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M12&&[VI<Y]:;E1TIW!% A/E'>E)'O3-R#H*48]J0!D#G-*2>U,;&:<&)&.E
MP'J33MU-R!1QUQ3N N,G.30>O%)N&>E*,9Z4"%S@<FC/I2<9[?G28&<\?G0
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M;I,\\$5<66C&ATS6!&3;7VFW*GO.Q)K5T+2]1CE+7<EB.?\ EU)JKK'@NP2
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M1$MM*!RC_@*A*O$?NGGVJ^;B]C&6:,CTQ4#:F_\ '"C?1:EJ-MRHRJ/HF5B
MW+9'TIG*'Y:NQW-C<?ZW=&?:I'LK=US;S%SZ&B4&UH5[51TDFC-:1E&<_I4M
MM#]H/S%OPI);>1#@I21O+ <JP^E9K1ZFK=X^Z:=A;"*<XWCW-=#:+^\'S5S6
MFW4\\Y$@&/:NCM<"4<\UVT+631Y&-4D_>-<9Q2YI!DCI2XKTUL>/U"DI:,4,
M!.:6CFC- T%%'/I12 **.:!0 44<T4P"G"FCK3A5PW$+1116P!1110 4444
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MGL12?2@!>#1BDS[49/I0%A:/RI-W:CGMBD%A?K1BCZT<>M%PL'7K3CC'2F9
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M @I***0"TG>EQ24, SS1112N 4N:2EH0"4M+Q250!111F@ -)112 6BDHHN
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ME1U-LI;-3VOBG4+BZ6)]'NXE)P6:(@5#3)L=91S2(<H&(()'2ES4DB4M%%"
M****8!1112L!D:]'<O;_ .C1J[?[1 _G7'#_ (29I"GV>"=!_ )$!KLM=LA>
M6V#=& #N&Q7%1V&E+<F.77)H7'\2RXJDT:+8=-;W[+B?PQ(Y[E9O\*Z;P_%>
MQQ*#:-:Q?W&;-<[>Z9,T'_$L\0RS-V'G9-3:+_PE=FRBXQ-%ZG):JE&R [^B
MH+6626(-*A1O3%3YK(@****8@HS111< HYHHR:&P#ZTO- Q29H&+]:,XI**:
M8"]:2E^M)0(*:>E.%(YXXJ9;%(;2<@\4G:C\#61H.)_"DY%'7M1T[T '%(,]
MJ3/M2Y/8&@8OXTG-)D]Q2[B.Q-- *,T=Z;N/H:7)]Z L+2<YH#9[$4%L=J!6
M%S^%)R/>@]*!^- ["CDTO>FYHS0A6%)YH/L:;\QH[9YHU&&6S3CFFAL]C2Y^
MM( HHW-Z?G29/I0 H)[FC.:;ECT'YTX&@ I<4F:3OWHN _.*0G--W=L&C=^'
MUH"PO/K2\TSFERW2@+#NU&.*CRX-+D^],+#^?6D_&DRWI1D]Z$%A?\]*,9_B
MQ1GZTF?8T7 =R.])2'\:#^-&X6%HIN_T!HY[T@'<T9Q2#-&"3S0 X'\*._6F
MX-'*T!8=WZT[ (J(Y- )SCG% 6']^M&>:0\>IIN3GH13$/[]:6F]*3)- #CU
MI<XIO- )]#^-" 4_6C-)]<TG/I0"0[\<T4ASVI,D\$&@+#C]:*3%% #NU)VI
M,GM0,T6 7G'6CG%!-)D^](!><?\ UJ!1D^M)S3"P[M0.E-P>QIOS>_X4AV'B
MC+&D!/>CGM3N)H7F@4W+#W^E&6'8_A0%A^2>E'/I29SUXI<GM3W$'S?Y%)1\
MWO12&+N[?TI>,=:;1DTT["L&12\'O^E)UZTF,>M)C'4E&?6C\: %P:#29)Z9
MHP: '+]:=BF+N]*>*N+T,VB*<CRR"F_VQ7GNLVBBY>2WL);=^\O.*]!N6=8F
M*D#CJ:\NU:SU/6-0>*/68T53]P25I!W>HXW*L=U:SW"PWK7-^0?]6D3<?E7J
M&C"$6$8AMV@3'"N""/SKS>UN;K1Y%ABN=/\ -!P79N37I&D337%FDDTL;L1R
M4/%.8Y%]T#J5/(-8@\*:;_:?V_9^^SG.:W:*@B[(9[2&XA\J5=R8QBN8N/A_
MI,]R9@'1CZ,:ZWFBG=] NSCO^%=Z8SYD>1U]"QKHM+T:RT>'R[./8O?G-7Z*
M?,PN+FC%)12N O':DHHI"#'O1S12\T#$Q11S1SZ4"%_&DHHH&%%)1S[U-P%I
M<FFTO-5<048HHYHN,,4AHI#FI8+4;(H="OK65+%+:O\ (I96ZUJ]32N@="#W
MJ'&YK"IR:=#E]1L3.N^$ GO@5C_OHVPK;2/>NKF@EM6)C!93US5*YL(;U,1?
M))WS7+4HN3NM&>MA\4DDI:HS[?6[R#Y6F#*.U7!X@AG^26TW^I K)FM9;-BL
MD!*C^+%0^8W\!1?K67MJD=&SJ="C4]Y+[O\ @&ZLFBSG]Y&R-Z8-/%AI<I_<
MR,#Z &N:3/F$L[,?8T^*:=)_D=E'UIJLG\442\*U\$W]YT$EA:Q?>NG4>ZFG
M)I]G(N[[0[+Z[36)<7$SC#2,WXTJW5TD&U) !Z9JO:0O\)/L*ME[^O\ 7D;#
M6VCP#+L[?@:8-2TJWYBMR<>H-8;.\H^=W#>N>*8%E4X#*XI>V:^%+[BOJJ?Q
MR;^9N2^(79?]&B1?RK*GOKZZ.97.WT%0'9CYD8'T05-;6%U=.!&LBQGJ2*AU
M*E1VN:0I4:6MDB.&V>>0!0V">:ZJPLH].ARQPS#CBH[6TAL(]I8O(?2K4%O+
M</NFW!1TKJIT^76UV<.)Q/M$U>T?S'6\,EQ(6DZ#ID5IJ-HP.,4JJ$4 =J*Z
M5&QY-2ISL44G>EYH_"J]#,,YH_&C%% PHQ1@TE(0O%'XTE.Q3 2BBBF 8HQ[
MT<TE+0!:3!]:6BAA8@N<[#7.7@.6KI9R0AP*YN]!);&?QKDQ&YZ&"O<Y^.X:
M*Z.6XSZ5K1N9E'EJ2?I5:QTE[F\)<X7WKI5:ST^,*H#N.R\US4J4FK[(]+%5
MH)J,5=F8FGW+\N"![BGO8I"NXD9]SBIIKN\N>$41)ZMQ5%X(2?WUR['N-W%5
M**6QC&4WK)V\D1.R!O\ 6@>R\TGG1@<EV^BFID-E#T7=]:'N;<GY=P_E4:(T
M3OT96,]L.6BD_P"^32BZTX]69/JIJPNR7@./Q-(UM&QVL@(]0*/N*YH];_>0
ME;>49@N5;_9IACE0<J0*K7NG-"?-@R /2I].O&D3RY.3TYI=;,T:]WFB[HDC
MN)(SP":TH)!<(1)6;<?NVZXSZ5+:Y8\,:M.VAE4@I1YD5;^V^SR[HSC/M3=^
M],2$CW%6=18949W'VJON>-/GA8J?:I:-H2;@K[D:  _N;D$^AJQ'-=I_K )$
M]JA2&UN"2NY#[<4IC>$XCE)_&A[%2L]'^(@V7,V&C,?/I5^X\N*U"JY/'I38
M$$:[WR2:<MO+<N<@[*I:+S9A.2<D]DBMI(#71*G!^E=+;[A,,\UDVL"0S$ $
M'VK7MO\ 6C@UOATTK')C)*4KHUATHI!TI17I]#R0HHHH !1112 ***,T7 **
M** "BC%%,$+2BFTX5<-P8M%%%;""BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH *:>O2G4TBIEL A^E&:**Q>X!10312"X44M)0,*#11F@&&**,T4
MQ!112T#(WY7I6#J8&T\<^E;\GW:Y_4CUX%<N)7NG3A=9G*3AS-@(0*?&QB8<
MG-;"RCR\%5_*LVYV%\J #[5Y4HV=TSZ"%3F]UHO1:C\OERC*FI/[-AN1F&8(
M3VK(4'N5J52RGC]*:G=>\KF<J*3]QV)Y;*_M'^5LK]*;)<W!P),C'7Y:<+RX
MBX5S^=2I?W"\MM;ZT/E>SL'O;M)D8NK1DPZL6_&GVUQ; D,"@/KS4ZZB2/FC
MC_*HI+]2W%O$3[+5:=_P(LWIR_B-G:%/FC8GZ"E$T4\>TQDM]*D%Y,PPD8'T
M%.4W).0#SZ4M.XG=+7\R&".YWXA@V^Y-66MYR/\ 2) H]JD2QN9.9)BH]":G
M%G;1#,LH?Z&K2,95E??\#/\ )@3E<NU316UQ+SL")ZU8:ZBC^6WA!/KCFF;W
MF.)9A&/3.*$NB#GDUK^/^1:32[9T^9@7^M9UY9O;D[4^7US4_P!G9#NCD##U
M!JU!("-LG/UI\J>CT,U4E%WO=&&EW+$< \>E/DOH9(RLL'S?WLUI7]FLBEE"
M@>U8$W[I2N/SK)\T=#KI.G5UV9!&H^VJ4Z9]:Z>$'<F5S^-<I:$?:UX[UU<0
M&Y,'\Z=+>X8W1I&_'_JUJ2HXO]4M.KU%LCYZ6[''Z4E%%/<D*7CTI*6A(8<4
ME+BDQ[T +VI*** $Q2]*7-(:5ET$)2]*2EH 2EHIDCE5)&*:3 =2UF?VA*K$
M,H_"G"_<]A5JE*P[&A16>;YQUP?I3#?R=@*7LIL+&G1BLW[;*1PHH^W2=/EH
M5*06-+%+64;^4'^&G#4'/857L9(+&G2_A66;]^@Q2B^E/84>RD@-/CTI#[5G
M?;I >@I&OY.P%'LY=@-*EZUE#49.X6E.H2'[J@4>RD!J?K165_:$X[)^-._M
M"4_PK3]E(#2HK-^VSC^%:07LYZ;/QI>RD!ITO'I64;V<=EIPOI3V6CV4@-+G
MTHK,^WR@\J*47LI/!7\:/93 TO;%)5'[;(.JBFF_E[*,?2E[*0&C25F_;IO]
MFE^W28[9I^RD(TL45GK?2D?=%--Y-V"FCV4AFCG%%9GVVX'5!^5*=0E_NC\*
M/92"QIT5EF_G[*/PI?MTN.0*/92[ :=%98OIO]FG"^D/4#\*/9R TJ 16=]O
M8?W:3^T)"> M"I2 TCS52ZTVUO$*S1Y!]#BH?MLG4[?PH^WR>@Q3]E(#FKWX
M>V<LYFB>3']S>:S-0\-Z/86^;RPEP/XQ*QKN/[0;/1::;WS."B,/0BGR3*4B
MAX82Q6Q7["&6/L&S_6NBK,%PR?=2-1Z 4_[<_JOXU/LYD[LT*2L_[>_912&^
MF[J*7LI :-+6>+R0CC:/K3/MTH/\-/V,^P6-.BLTW[CL*3^T9#T4#ZTO92[!
M8TZ.O:LS[=*.?EI#J4@_@'Y4_92"P[5])74X@I8C'I65<:5Y-IY7V)751R>,
MFM/^T9CT5?QIPOG ^8+3]G,:9Y[,FEQ7)":9*LX/4,:[3P^;LP+\A6+T)JX+
MTLW$:?4BGF]=>@7\*;A,&[FC@48]JS/[1EZ;13Q?R8Y04O92W$:%+^%9AU%L
M\+2_;I/[M+V4@-'%&*SQ?2'^$4AO9QT"GZ4G2D!H\4?A6<+^3^("E%[)Z _2
MCV4@-"DJA]N?LHI!?2G^$?@*/92 T:*S_M[=U%']HD=5_*CV<@- >]'6J"ZC
MG^&C[><_=XI^SEV OTAP:H'4#G@"G?;7/.!2=*0%O;1@^F:HF_D4_=%*-18_
MPTO82*YB[M/<4;?;-4Q?MGE10U^>P ^M'L&',RT5/I1AOK5$ZBZGE0:<-3S_
M  BE]7D/G9=P?[N:"K=A5+^T6/1*1KV4= /QI^PEV#G+NUQ[T;7';-4/[2D[
MH/RIW]HN1P@'U%)T)!SETAO[M S_ ':I_;WQ]U<TT:A*3C8/RH]A(.8OCKTI
M",]JIF^D SL_2D&I-W3'X4>PD'.7-K#M2\^G-4O[3]J/[2Y^[1[&0<Y=V.?\
M*3:<8Q5(ZF1VI!JK$<**/82#G+H60=J,N3]VJ8U"0]A0=1D'\*T>PDPYR\%<
M]L48*]15'[?*>RT"_F'WE7\*?L)"YV7#O]*<JGTJD-1?NH/TI3J1'512]A(?
M.7 K9^[2E<=JS?[7PWS+Q[5-_:09<J/SH]A(7.62&[+1M)ZC%51J#$\@4TWS
M@_=%'L)=BN<N;2.@HPW7%4_[1;^[2_V@_78,4>PF'.6_G(X%&UAU7\:JB_8_
MPXH_M @\@&CV$^PN<N -Z9I&0YSBJIU(8X7'UIHU,]"GZ4>PD',7,'KC-+SV
M%4_[1/8"D^WGNHH]C(.<NX)I-I],U3_M!_X4'XT#4'[K2]A+L'.6V5NW-(-Q
MX(JHVI.#P@_*E&HGNN/PI^PD'.7=IQP*"IQ]VJ?]I#H!2_VB .@I>PEV#G99
MPW3%*%/?\JJ'5%'\(I!J@/\ #3]A(?.R[@CH*;\^>E5?[08CA12_;V ^911[
M"0N<N@'%(5)[53;43MR%%,&IN?X11["5A<Q=Q@8(II#GH,5G2:LZ-RHQ[5-%
MJH=<D"DZ$D/G+6&7M3OF/;%5?[33TI#J8'09H]C+L/F+P]UH/TJB-57^)<4O
M]IICIFDZ,A<Q;P1VQ1C!SBJ)U5?[M)_:Z^@I^QD/G+VTYR!BEVGTJF-47N,_
M2E_M1>X%'LI!S%K81SC\:,'/3\:J?VFI]*3^U%SC;1[*71!S%S:>N/QIP#&J
M?]J)_=-)_:JYZ4>R8N9EW:P[4GS^F:HMJP'\-*NJH1DC%'LF'.RX0?2C#]N:
MI_VLN?NT]=4C/M]:7L7V!2+1#?W<T8ST%56U-1T I/[60=5H]C(.9EKYA[T$
M..G-56U:+^X?RIO]K(>BX^M/V4A\Q<^;NM.^;'2J/]JI_=-*=5C Z4O92#F+
MI+8Z4G7M56'4TF?:!BKRD,,TG"VXN8C*FE4>U244N47.-VG/2@H3VI_%)1R(
M.=D)CQ1D]-M348HY1\[(ESZ8I2*EQ2&CD0N=B+GTIU%%-*VQ+=RO=6JW$95N
MM<'=>$=8COFFL[@!6/3:*]$I<5<7;8$VCS^;P3?31I(;@";/S?**ZO1])_L^
MV57.9 .36H:*&[CY@Y%)114W)"BBE!]J "BC-)0 M%)2]* "BBBF 8HHI*0"
MT<T<49I@%)2YI<46 ;BBER*7'O0D@&BEXI:,46 ;C%+110 AQBFX/IBG4A/M
M4-%)C>GM3@3Z4F1V_2G"DMP8@YX(JO/8Q3#D8/J*LTM5:^C!2<7=&6;2X@^X
M?-7^Z:H7-C;39-Q:>63W!KHZ#CT%0Z:9T0Q,HN_Y:''_ -AVI.8+HQGW6D_X
M1^4'<ET&/TKKS'&>J*?PIGV: G_5+^59O#1-UF%1=?R.4_L&Z;[S@_E3_P#A
M'[AEVF0 >N:Z?[)!G_5+^5'V6#_GDOY4?5H=0_M&I_2.9'AQE7Y[P*/I2KHE
MBAS+<&3V KIOLT'_ #R7\J<(HEZ1J/PI_5X!_:%1]?R1B06UM%_Q[6F\^I-6
MOL]W/PW[I/05I@#L!2XJU3TM<YY8B3=[??J4X;&*'MN/K5L  <"@A?:EJHJV
MAE.;EJPH(-&:7.:LS$HHQ1QZ4 %&***!BY/I2444:B#!Q1VQ2X^E&:+#$HXH
MHH ***7-&@"4<BBE% B&=3L-<Y>D[CQBNCG^Z>M<[?,,G(_*N6OOH=^$O<HV
M:^9<$/(<>@K6^S2$8@3'^T36'9N_VEL%5%:7V=[C.V[D4CT:N:&UD>A77O:L
MEDL9!S-(:K&VCS\IY]:RYKB[M+G8MRTO/0MFMRV9YK=6>/YB/2DDI,)J=.*=
M[IF;/:.HW?K6>[,#C=6[=2%4*]#6:MK),^=H-1):Z&]&I[MY$%ODN#@GWS6]
M;H&C (JO!:I;_-)@8]:+C48\&.%06[$5<4DM3&K)U7:"&ZE*(8&0#)(]:SM-
M@8YD*\9J>*RDF?S)LD]A5MU5%Y.SVH>KYF6I1A'DCJ5IT\V48&/>E:5;2,@C
M>3[TA624;8^%]>]0FU,+@L'E^O-)LJR:LR.V N9"7;'I5QUF@QSN6DDMA*%V
M1F/W(Q4XC$*@/(7^IS3BM!2FGK^!7D_TC'EQ?7M4T, C'RIN;TJU;B$_?8+]
M:OHRJO[D)GU-:<M]3GJ5G%<MBI%:$?O)!^%-N+W"F.-.E-O/M?)897VK,>8J
M.<@^]9N5M!TZ7/[SU+&GLSW3%@?SK=MPWGCCBN=TUGDN#MQ^-=%:AA*,D9K?
M#O1&6,5I&NH^6EQ2+TYI:]0\@***.* "@4?2DH 6CF@4<T %%%+19#$HHI:!
M"8%.%-%.%:00A:***U **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ II^M.IIJ9; )Q1WZT4?6LK@'%!HXHI 'XT444#"BEI#2 .*.***8!Q12T4
M 1R?=Y-8.HC.<5OR?=[U@:BVW)YKEQ.QTX7XS):SW*6);\ZSY4,3?+R/>II=
M3E#&/@#UQ4&/-;)).:\N370]^$9QUEL"G<=Q(X]J<SJQX_2K$=@SD$9 ]35P
M6ME"FZ>;)'8&A0DR958)]S-!?'RC-.0,QY!/T%3OJ=K$VVW@W^[4X:I<C'EQ
M1+GU%'N]PO4:NHC!:N1D*3^%(D4B-PF?PJZ+O4G7)>+'H!34>_G;F3;C_9%.
MT3/FG;6WWB+=2Q=5'_?-6HM4(_@'_?-03372+@F)_P *%DFV;GB0@^U.[6S,
MG",E=I?>7Q=6MP,22$'TI!86\IS'+GV-9HE@+_O8&'NM3?N6'[EG0_[?2J3O
MYF;I..S:+#PS6IRJAE]A51K2"ZEW2R,C>G-3+)=IP)D=/[M2">%SMFB(/J*=
MULPBY1U6_D/C\FWC\M)-U3QP*_S#K3H;6UV[_,.WTS5:ZU%8<QPKC_:IWMJS
M&TINT-R2YE2!""X!]",USMXXF)+?I4T\TMRV"Q;/I3?L5SY1(3"=R164VY[(
M[J%-4M9/4SK1%%XHSWKK(@ 4KF(D$5XH]^U=1 .5QDTZ.B#'.[3-N+_5BI*;
M$/W8IYKU$M#Y][L2DI:7B@D.U)2Y-)QVH&%%&32\4Q!VI/QI<FDI-C$XHXHI
M:0A***7% "U7N,[3@U8YJ&?!4YJX[C,<GYR.M*5':G,!N.,TTX'4UV= 91O9
M9H/]7)M_X#61=:W<6P_UFX_[F*W;BW:?HY6J-QH7VA0);A\?04 9\?B*Y15=
MX\J?>KEQXAMDME=&)D/4;:>/#]KL"[I,CO3I=%>>(1?:"J#T _PH S'\2M''
MYA4'VQ5FWN=3OX?/MY%5?[NT5(WAJTD3RY)96/KQ6C:6$=E;^3$S;?>F%S*L
M-9N&U+['<1!F]:MWNIRV]WY2+1_8RK=_:8YI4D]1C%,GT*2XF\Y[R;=[ ?X4
M,13EUV^ADW20YC'4XH?Q9 Z[8D/F^E:@TY3!Y,L\K*>"<"JD/ARSMIQ-%)*2
M#G!QB@#);Q+J$;_- ,=A@5I6_B(2VI>1?+E'13WJ>ZT^*:99F3!7H!TJ"?3K
M6]^5T*GU4T6 K+XAO3NS;K@=^#4MIJ6H7Y;R[D1$?P^6#FI;?1H+!&(>63/K
M4MG"I+".YEC!ZY H @DUR[L 5O8P3V8'K45MXBN9BQ6(,O:KZZ1:/N,K/,3W
M)JL+*WLF(@25L^@SB@")=<NI92INA#CL8LU=T^_O+B?9(%=/[XP,_A51K.<G
M<7E"GL5%7M-TB"UD-PC.9#U!-) 3ZMJ2Z7"'(W$]!5.WFU6]B\Y)%BC/(^4&
MKE[#'?\ [NXB) Z%:8=/DM( +>YF"_W<"F!FKJVHI??9I)58?WMHJ:\U6>W'
M%SSZ>721Z9;FZ^T2SR^;[XJ6>%9V\M;F0?0"@"G8ZOJ%[/Y2LO\ O%14E_J%
M[9DJ+A6D'\(04Q[".U^;SYP_J ,TL.FQRN)Q=N9.V_&:+ 16^KZRT#32P80=
M^!3X?$=TRE_+&Q>M7)8I)QY4L[L.G %56TJUA&W=/N/?BBP[EE?$]I):LYD9
M9!_#M-9\/BW>Q5ER>W&*F&FR^6465S&>^T9_E2V^AV$>3+YKD]SCB@"Q;2:G
MJ(+PW B7L-H-03ZQ<Z82MVPD/8XQ5B&!+,-]FNIT4]0<5 UI:76XS;IF]6-,
M0ECXECG?]\VP=L+4NI^((;>-3;R[R3TV8IMCIMI%+E87Z_Q"M*_TZUNH5#J4
MQTP*0%9K]QIZ7& 68>E&F:A)<NWF*, >E026TDL0MUEE$:], 5';63V;';=R
MC/4,!0 '5[R[OWM;=1'M/7 -%S=:QIO[V:198_[NT"K-O8PVLQN5>1I&ZEL8
MI=0*7D.R;<%_V:+ 9L?B6Y8^;+:CRO2IY/%$<D7^BP?O/2I(X+9K+[+'&[+Z
MXYJ&WTB&RE\T>:?]D@8H U].>YN[<2S?(3VJW@YZC\JI)=R'A(6"_3BG_:F#
M!60_@* +7.>#C\*4GZFJC7J)(%8XS4IO(U&%<'/I0!)\WTI-W/-,$ZE<D5&L
MTA)V19H L9'>E)7^(U6%X%.)5(HDN801A,Y]* +/!H93CL*B#P[<EP/;-1K<
MH7VJ"?I0!8QM')I,XY(XJ&:Y$0R0:FAD$B;B.* '!E8XSC\*=M(Y'(JA+JMN
MDACCRSCL*<MY)C<8F4>XIV N'/TI?GV]:KM,QC\SDCT ID>H0C[Q(/I2 L_/
MZ9I<X%53JD+2!5#D_2K$K,8"ZG!QQF@!/,&<<X]:>#_=:LJ'4B)O+F;))]*U
M]JLH*FF W'^UG\*4*W\+9I=A/7BC9Z$_C2 7;)Z8I"">A_I2G</XC^-(=S=3
MB@!F&!Y-/R._-&]E]Z:Q9_O*<4;@.Q'C(7FF$'.0WX8HW@#&6_&C)QPU "C)
M[4[;[\^E,#GH:5WVQY&3["@ .0>::3SUK,;7TBN/)E@D4?WB.*T8)H[M=T+9
M'M0 \G'UI,%CD\4YD8=?TIPSCO0!&5/:FX/? _"GE]O8T(RMUS3 ;DK_ !?I
M3ED+?_7IK*V?D!JG=W(M>H))]*5@+KNPZ8_*D!9AS@50M_-N^2[*/:K:V<:_
M>>0GZT //F?PL*4;SU_.H6M4)^61U^AJ"2&[3_4W+'V(% %S?@X)/YT_*[>1
M66LE_&<NJO\ 0<T\:F4/[^WD ]<46 O$ICC^5("N<'CWJ*._M9?N2 'T)YJ?
M (W#GWI@!5,9^]2#&.$ H\P=LYH\QL_-_*@!#C'W\?04BECT?(^E.W^E''=3
M28#E&!U_2FDY_CI&+?P_K3'=E&67/TH >!Z'-(% ^\V?PIJ7.[@HR_45*-K<
MG]: (R4SQ@_A3P4 ]*4@=B*.#P: &D@<J?TH,H(P#S]*#'CD$T;UQ@H?K3L
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MIIB;*S,?J:FW#Z49'][-(!9;4RH!O(QZ&F) Z#:CX]S3BP_O#\32$@CJ/SH
MA-O,K[O.S^%68_,QAFS4>XJ.]1F:4'[G%,"2:TCEXSAJ(-.CA.[!+5']I 7Y
MA@T?;XP,%A0!*]LCR9*G\34;Z?"XP/E;VI5U"(C!*TOVH-PK+B@"M'IC0RAA
M.S>QJS)$[$90<>M2+)Q]X?A2[FQP:0$!AE9=HD"CV%,6R50<R,Q-61GOBGX
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M65_!>1AD(]ZLMY?<?G0 Q4*@_.WYUD7Z,9ER3C/K6TW3Y?UK/OK?S%WF/)%
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MHO80O%)S2<TM*X"XI*** "EIM([!$W,>!0-7'45A7_B.*TX4;C62_B2]N?\
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M#%%%% !S24M'% 6#%&*** #FCO10.M,04X4WO3A5PW 6BBBM0"BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH *:>M.IAZU,M@#O1QFCO2UD G>@T4
M4KC"C-'X4&D 4'WHHS0 <4M)1S0 =**.U% "2?=K!U/A#Q6[)G96#J&.<FN;
M$['3AOC,*,XF#<]:OW$<=Q;EF8@@=!4\-K%+%D,NZD"&W.V0;EKSXJV^QZ<J
MJE+W=T9MF6CRB0(X_O&K,JW 7YIEC3N!1<0,3YD#%5'7BJYBAE&^:4EAVJ&G
M'0TNI/F_X(B-$K?+.['VI+N4L ,[:6.15;;!:.1ZFG7=O+A7D1<>F:70NZ4]
M2QIEBC#>Y)Q5R>YD4;$/ JO83*\94/M([5',6,F,G\JM:1T.>47.H^8&>5SP
M!FFBW/WIG"+5J%"BEG/:L*]GFN[DPK)A0:322NS6FG-\L=$7)+RP@./-,C>@
M&*:NHQO_ *NV<_C4]II<,$:NZ>8QJ[B)%R<(OIBG9V["E.FG97912_DQC[(W
M_?5/_M#/#(Z?C4K7T2'"_-^%"W\>>8_TH375DM7VA^(V%K69\-("W^TM7!IT
M;G,;\^U4WFM9N&@/U%/@C"MF"<Q^QYJERD24K7NT3R6%Q$,]:SKN9HU((*M6
M['<7,2_.5F'J*BN%M;Z,[QY;_P"U52IIKW694ZS4O?5UW1R<#&2[4L1G/I74
M08RN3C\*Y][;[+?JJR;@3V%=!"3E.#^%9TEJTSJQDE))K8W8\",4[-,B)\L4
M_%>DMCP'N+29I*6G< _&EI*,YH3$+QZTE%&*+L X]:*,44 %!HR:2E= %+24
MM !5>Y/RU8J"Y/R\"KBM1HR&<%C1\IZ'%(ZG<>:.>X)KMZ !.?XOUQ02!7+^
M)9;J*1?)DD3GLM,CU.]^Q*KRQ=.[8- CK Z]W7\Z1CZ&N+LX[J\N&(F(QS[4
MZXUO5+>3[+&&.#C)% SL=R_WUS]:7/'#9_&N+N=)OVMOMDEPYSSM45)9ZI=6
M]ML/E[1_ST?!H$=@'.<<'\:1G(/10:X[3=4D.K;IV C]FR*;J6KDZOA+G$7Z
M4 =J)B1C:OUI"Z_Q.@/UKFY+W?8GR[X@XZ!:R898_*9KC$K=F\P@_E0!V_F#
M. 0?QJ3?@?,RBN)@NI#&?)EE1?0K4+F_D;<)7V#J".*8'<F9>FY?^^J<".I(
M_/-<;!'92QL;B=(Y!TQ(<T_3Q=AG'G.\(Z;AB@#L-R'AG1?QIC87HZ&N3N/L
MVUM@7S/>0UFV[WAD;"RX'38,B@#O  QYQ0Q\OIM/XUR]CJEY&61VB Q_&^#4
M>DW$T^L/O9F&?X>10!UJMOZ@K2,S)T="/<U1UVXN;:U4VR,<]<#FLBSCT^=?
M,NY7$IZ@G% '1\/]YHQ2&UB;GY#]*X^[G6*[,=MO*>QS4FGP7ZWGVA+AG'_/
M)AB@#J_L$)_B IITZ/J)3^!KE;K6)KG4_LDL,\3=,J,BIGBU73_](CG)A7G&
M.: .D6S"\B5_Q-6%C8+\LH_*N2AU#5-9G79(ZQ#ALKBNKM(UM8@K%G8CDD4
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M+^*UFH074WE4K-6:+<-B-N5.?;%)/IL$HQ@AN])!K=N#C=(![K5U=2LYNLJ
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M%.P:2/\ U8XIQ->BEH>$]QM+BDI:"0HHXHQ3U *.:**0"YIO>BBAL HYHHI
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MPGCIS0,U-F3PQ_"E'7!S6-_:-XSX6V;%2/>7,:AI(0<]BV* --D0_P ;?A2
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M/7/OB@"%@2<BE#$#FI&RPXX'K354CG/XT *K*>IH)RWRGBE/J!GWH'/)'XT
M+C Y(%,+H.K 4[/^W^E0M;P2-ES0!)N4]&!^E(77NI_"F^7 GW<GWI1M_A-
M#LD]!BG;-P^]CZ4A<@<-G\*CDE*C.,T #LJ'!E'XFE7+]"K?[M9\IEO#\ORX
MI]I]H@8^8VX4!8LR;#Q*5 ]Z@^P0,=RL1]*BNT%RV&!Q3'@N+>$&&0L/3% %
MK[);+_&,_6K"B,1[%9"/K678K(TQ,V:DOK-\%XF)]J )VL;<MO9_PS4AAB>+
M8,$5E6UG+*V)L@>E794E@CV0&@!1I<:_-OV_0TQK"V9LF4L1[U5:XGV%'E.[
MTVT0+*(R6S^5 %HV2D;4F8#T)J/^RNXN H]=U0HMS)+M4$*:EN;1XH^6)]J
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MHAMMR9Y.*NW_ (,<V*/89B?'S &@#;7Q193WK6J!PX.,BK5SI:74)E-R^,9
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M)SZ;J3V8$=N=^*JZ+H>J>8XU*!@IZ9.: L=BNM:/?ACYN"/4BH;/4-.OKIH
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MT@%ZT=*.M%,844 "CI0(**3.:6A %&*/QI,T] %Q1FCK24M>@"YHI*7-"?<
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MI <N,L,;2*<$ ^\3BNG^SP_\\D_*D^SPG_EDGY46 YW"=LBD('UKH_L\./\
M5)^5'V>$?\LD_*F!S&/FZ&I/X><BND\B'_GFOY4?9X?^>2?E0!S2!1SN8T_Y
M">A%=#]GA'2)/RI?L\/_ #R7\J .>PJ]":8TC9Z'\*Z3[/#_ ,\U_*CR(?\
MGFOY4 8 ?(X4TW>3UR/I71"&(=(U_*D\B'_GFOY4 <X01R#2,688.:Z3[/#_
M ,\U_*C[/#_SS7\J .<"[1R32-+CBND^SP_\\U_*D^S0?\\D_*@#FO,W#[Y%
M)ACW)%=+]EM\Y\E/^^:=]GA_YY)^5 ',^V328YY=OSKIOL\/_/)/RH^S0?\
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MO>1'O<1E?]FC2]>MM39E2)\CT%=J=)T]A@V4!'N@I8=,L;;_ %%I#'G^Z@%
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F]ZDHH]F(9W[TX4M%5&%@"BBBK **** "BBB@ HHHH **** /_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>ny20005581x1_ex4-1img2.jpg
<TEXT>
begin 644 ny20005581x1_ex4-1img2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 6>"?P# 2(  A$! Q$!_\0
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M1FBBD =J!]:.U H !]:!12T7 0?6BC\Z/SJ@#\:/QH_.C\Z #\:._6CO1WI
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M!I:::*5Q#J0TG:BE<8O-%'XTAZ4<PK"T4G:CBCF&+12?2BCF 7FEIHI?I3N
M44F:*5P%HI,4#BCF =244E.X"T4@HXS2NP%HI.]+WHN(*,TG>C'-#8Q<FC)I
M,<T4DV M%%'%, S2<T$4?6B[$%+248I7&+24AR.E'&.:GF'8=128%'2CF86%
MHI/I1SWHNPL'X44ASVHP<<XHNPL+2<T 48Q1<+"YHYH'2BJNQ"BBDXH^E"D
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MHIV ****=@ T=J*6@!.U)VIQI*3 2@=*6DJ0#B@=**6F E%+24; +1Q2447
M*.]%%+<!:2BBE8=P_"CC-%% !Q1WH[T?A0(,T<444:@&:**,T %'%+24 +12
M44#"C%'YT4:BT"BBCM0 O:DQ1VHIAH%'THHI %%%% !110*8!Q11GVHZTAAF
MEHHH **3-% !Q1QFBBDP#BCBBB@ HHS10 M)2TE !QWHHS1FF 49H)HI70!1
M110 4444 %%% H .*.**,T %%%%( HHHH 3- -+1^- 6"D%+118 HXI:2G8
MHR*** $[TM)W[TN>:0!129Y[TN:=T 4<44M "4<=Z**+ %&:6D- !Q11S10
M&BBEH **2EH&)1112$%%)S2T '%%%%, XHHI: $HQ112 .****+ '%%%%, H
MHS[49I: %)GFES2?6BP@XS0>M%+188G>@TN:*+ )Q2T44P TF*6B@+!BBC(H
MI>@:"4<4M&:5@$XHZ]J*6BP!29I:*+ )Q1VI:* "BBDYH 6DR**6@! :7-%%
M "49HS10(,\T<9I>]%,8G>BBCZ4K,09I:3/K1FA#N+11FDS5""EXI,TM "=:
M6BDI6'L+3>!UIU)4NZ ,BC ZT4M ""D/UIU(<46&)FE%)VHYJ0N+111D52$
M]J",T<TM (:!2].U+130"9%&:*..] 7#-%'TH% @P*6DI:5K%;ABD-&>>AHS
M[&G?N*PE+1G':BC0+!1C-%+1H"&D#O2\4$^QHR!VHT"S# %&*,@TM%PL)@"E
M[4F:.:!!1D44M"&)Q2YS113 *,TM)3 ****+@'%&?2BB@ I,BEHI )FES11F
M@!*!BEXHH8A.]'>EI,TAA1WI<T9H 3/-+FD[T4 +C-)WI:*=@"D.*6B@&&<4
MA-%'2BXA:3ZT<TM(8E+124M0%H[4F:*87"EI.U+VH *;2\TOXT ("*6BB@!*
M*6BG80GTHQ2G-% !BBEI,4QBT44E !FC-%+0@$Q2TG>BF(,4M)^=% PXH-%%
M"$+1BBDH&!HH-+3N(*2EI*EC"CZ444 %)FEQ28I6!BYHS24M"N 9S1DT"BGJ
M 9HXHQ10 M)12T )F@8HI:: 3O2TE&:&""BBEI )1BDI<4K %'>CO15(0M)Q
M12T#$HHHI %+113 3\*/K2T4@L)10:* N!HHHIV$':CM1VHI@%'%%%  ,44"
MB@ %% I: $HHHH !C-.IO>GU< "BBBM "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH *;@YIU%)JX#.]+B@BDK.P!CTHYI<T<46 **#0:+ %!HH-
M, QQ1VHI?K0 G:EHZ4G:@!:2CM2<8I.X"TE':CM4@'2CM10.E) %'-%+5 )1
M2\4E)@ HI.!2TDPL'.:*6DH&&**,4=Z "CO1Q1WHL(*.:.,TM "<T<T44 %%
M&**0Q:2EI*=P"BC%% !1VHHH .<44?6CZ4:"#M1VHH'M0 "C%+24 +2=*6DQ
M0Q@,T"BBA" 9H[T44  ZT=Z6DH 6DHS1FD,****!BTE%% !S2TE% @HI:* $
MHHI/K0#8M'6BB@ HHHS0 44=:,4 +24M)0 8I.:6BD #-'-%%&H"4M)2T @H
MHHH *.]&!10 4449I@&**,T4M "BC HH *6DI::&)BBEHH$%)1@4M.P!1111
M8!,44M)FBP"TE%% !1BBEI (*6DH^E !2TE% !1BEHH *3%+10 G-%+24 +2
M8HHH ,48I:2@+!24N**2 *,48I:8"44M% "4M)10 M%%(:8 11VZ44M%D VE
MI:*06$HI:* L)1CWI:*+ )BBBEHL%AH%+S2T46 2C%&** #%+110 E%&*6@!
M,4M%% "&DI3UHH$)CFC%+2TDAV$Q12TE, P**6B@!**.**0!UI*6BDT =J3M
M2T46 3G%%+VI.*!!1BC%+C%%AB8HQ2TGX4<H"TF?6EI,4- +2=**.* #-&?:
MEQ1Q3L&H@HZ48HI6 !UH[T8YZ4<9H 7O1CFBCO3L E&*6BBR$-Q00:=1@4FA
MB?2@_2EI#18+AQV%!%%+18!,4=J#10 4M%&:8!1110 M)1Q2TP$I:3BEH **
M2EH *2BBA@%)2T4@$HHI:!!24M)0,,4'/84"EH!#1N[BG4G&:6D AHQS2T4P
M$-+1BDI +12&C-, .:*/K12 6DQ1BCB@ Q11VI10 G:EHHHL E+VI*.,<4 +
M2=*6DI@+111Q3 6DQ2TF*  4=Z**8A:3%+24#"BCO1WI6"X=Z.]'>CC-4(*,
MTM)BD,.M!HH- @H-+24 !HHH[4P%HHHI,8E+112&(:3G%+1]:5A"#-+S12T6
M 2BEHI@)1S2TE !0*,4M 6$Q12TE.P"TVEHIL0 T4M%3T&-YS2\T<4<T@#G-
M&*3ZTN:I"#O1B@T8H8!11Q12&&*6DI:8"44'WHI %':BCM0@#M11QBCM3$%&
M,444 '.****8 *!0.*..U( YH%%%, YH[T4<9H .<TZF]Z=5Q 6BBBM "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "DQ2T4G8!N*6BBI
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MHN,6EI,T4P%I#2T4 )F@FC%&*8 :2EHH$':CM2TE 6#M1VI:2@ [4M)^-+0
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MBC\**-!AB@TM)B@ HZ"EI#0 9HH^E%( [4=J3BEQ0Q(,<=:6DQ2T(84E+13
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M8HHH0!W[T'KWHH-, /XT4'Z48H *6DHI#"BC\*"*5@"CFC\*.U !11VHYHL
M44M% "8HHHH *3-.I.:&@$'XTN:,44K (.O>EHQ11:P!24N*6F%A,TM%% "4
M48HH **,"EH 2C-%% !11BB@ HZ4M% "448S12 .M'2BEI@)S2TE+0@"DI:*
M8"9I:** $HHHI &:6BB@!*,4M)BBP!FBEI,46 2ES11@4M0"BBC I@)F@TN!
M12L E%+1BC4 I#2T8HL 4GUI:,4PL)2T44M0"CK1^%%, HHI:+ (:3FG446
M2C/M2TE "9I:,TM%@&C\:6BBE8 HS0*,4["N%&:.G6C\*8!FC-&:,T6'<,T=
M^]%%%A!WH[T=Z#3 .]%&.:#UZ4@ _C1^=&*6FK@)^='YT4'Z4 !H[=Z,>M+0
M E'2CMTHI-#"EI,48I:@%%+24 %'2EHHL E%+10 E+128HL 44M-IV 6CO11
M^% A:2BCO0P#OWHQ1SFCO0 44<^E&*0P[T=Z,4=Z:$%!H[]*6F[ )^=&*,T9
M]J0P/XT'IWH/TH[=*8@[44<^E%2,*6DI:$ F*6BBF =J2BCB@5@[=Z.:**8
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MV$%'Y4N*3O2L,/RHI<4AHL ?E1^5!HH **#10 M)1VZT=NM( YQ1VH[4=J+
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MP"44446 *6DH[T +124=Z %HI.]'>@ I:2CO0 M%)1S0 M)11BF M)12_A0
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M_"CO0 44<T4 %%%% !10:.U "44<XHI +2=J.U'- !VH[4=J.U*P!11VH[4
M%%':B@ HH%%  *6D&:*0(**.]%"0!1WH[T=Z=@#O11WI: $[T9Y[TN*3O18
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M4=J.U !2TG:CM0 4=J.U':D =J*.U':@ HH[4=J8!110* "B@44 %'>BCO2
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M !1110 4444 %%%% !1110 4F:6BDP&T48I*S8"T4GYT4@%HI*/SH 6BDHH
M6BD_.C\Z %I*.U':F O:D[4<T4FP"C\:*,5(!1VHQ11< HHH_.F 48HHH ,4
M4#KWHI %'6EI*!@**._>CO0(.]+24=Z8!11WHI@%!HHI '-!HH^M !1S10:
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M 4M)1V[T +12=J.U !VH[4=N]';O0 M%)V[T=N] "T4G;O0.G>@!:.:3\Z*
M"BC\Z!^-( I:2C\Z8!11^='YT@#FBCOWH[T '>EI._>COWH *.:._>BE8 HH
M[T?G18 HYHZ4&@ HH_.@U0!111V[T@"BCMWH[4 ':CM1VH[=Z8"T4G;O1VH
M6BD_.C\Z %HI/SHH 6BDI10 <^M)2T9I@'-)2T9H **,>])WH 6BC'O1WH .
M:*._>C% !R:*,4=Z "BBB@ -%%!H 6DH/XT=J8"<T4IHI )S2T4G:@!:*3MW
MH[4@%HHHZ4 %%'6CI3 **,TGYT@%HI!^-'YT +12=^]*/QHW *2EI.]# *6D
M[]Z.] !WHH[]Z._>D M%)^='YTP"EI/SH-  :*/SH/XT@%HI/SHI@%%';O1V
M[T@"CM1VH[4 ':CM1V[T=N], [44=J/SH **/SHH !111^=(!:2@?C1^=, Y
M]:***0!WI],%.!JX +1116@!1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% #3UH_"EXI.]9- )1^%+Q10 GX4?A2TE( _"BEXH-%@$_"C\*6
M@T[ )VZ4=J*.U( [=*.W2CM1V[4F "EI.U'TH *,44M*PQ*!1F@4" 44?E13
M !]*._2BCB@ _"C%+12'8**3G/:EI!<*3O2\TG>F)A^%'>@T4[@'>@T4?E2
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M G>EQ1FDH 7BCO1FD[T %+BC-!H ..]&*,T'\: #BCM2\44P$Z4AQ2FD_.D
M4=J.U':D =J.U';O1V[T7 *7BD[=Z/SH 7%'TI/SHI@+BDHH_.E< H%% H8!
MWHH[]Z/SH0"XI.**._>A@'>CBCOWH[T@#O1QFCOWH[T '?K11^='>F =Z**,
MT, -!H/XT&I *.U'YT'\:8!VH-';O1VI, _&CMUH[=Z.W>F =J.U';O1V[T
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M4E+VI@':CM1CBBBX!^%% HYQ2 *!24O- !124O- !124O- !Q1^%)WI>: #
MHI.]'>@!:/PI.]+S0 4?A2=Z7F@ [T4AZT=Z8A:6FFER:!@:*#2T6 2DI325
M-@%HI.U':@!:*3M1VH 6BD[4=J %HI.U':@!:*3M10 M%)10 M%(*!0 O/I1
M1S2=*$ M&*.:3O3 7\**.:3O0 OX44<TE !^%+1S2&@!?PHHYI#0 M%'-(:
M%Z=J6DH- !]**2E- !129I><4 %%)2\XH **3-+SB@!*6DI><4 )2TE+S18
MHI*7F@$'%%)WI>: "BD[T"@!:*3O1WI +1S2=Z6F 4?A2'K2\T %%(>M% "T
ME!HI +2?A0:#0 4?A0>E':DP$YI>U'%';BD@#M11VH[4 +128XHZ4#"CMTHH
M[4 %% H%.P@I:3I0#3T 6DHH[T +12=Z.] !2TG>CO0 M%)WH[T +12=Z.]
M"T4G>BF M%)12 6BD-!H 6BDH[4 +12=J.U "T4G:CM0 M%)VH[4 +12=J.U
M "T4E H 6BDH% "T4@H[TP%HHXI.](!:*.*3O0 M)WH[T=Z "BCO1WH **.]
M'>D M%(:#0 M%)0:8"T4E':@ I:0]*.U "T4G:CM0 M%)VH[4 +12=J.U "T
M4G:B@!:*04"@!?PHQ1S24P%HQ1S24 +^%)2\TG>@!?PI:3FD[T +S11FDH 6
MBDZT=Z %_"BCFD- "].E+28I#0 OX444&F 44=J3M2 6BD[4=J+ +12=J.U)
M@%%':CM2 6BD[44P%HI*!0 44"@4F 4M(.M'>A +12=Z.], [T4=Z.]( [T=
MZ.]'>@!:2BCO3 **.]!I,!:*0T9I!<6DH-%,!:0T8HI %%':CM3 *.U':CM0
M <T4=J.U !S11VH[4  HH% H **!0* "B@"CO1J =Z<*:.M.JH;@+1116H!1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %(:6D-)[ -Q1QFBCO6+
M0!0:*#3 ***6A &*#1S0<TP"BCF@YH *.U'-':F <8I.,4O:BDP$H[4M)4V
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MCB@T4 !H[444 ':B@]*.U !VH[4=J.U( [4=J.U':F =J.U+VI*+ %% Z44
M% HHI@%%%% !1110 4X4WO3ZJ&X!1116@!1110 4444 %%%% !1110 4444
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M@4 %'-'%% !3A3>].%7#<!:***T **** "BBB@ HHHH **** "BBB@ HHHH
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MH_*COUH[]:0!WHH[]:.]  :/RHH- !^5'Y4?C13 */RHHH /RH[4=NM';K2
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MW>CMWI:*8"#\:/SHHI 'YT"B@4 '?O2C\:2EIH I,TM)SZ4F =Z._>CO1WH
M._>COWH[TM "?G12T4P$[]Z#2TAH /SHHHS20!^='YTM)0 'IWH_.BBDP"CM
M1^%':F =N]';O1VHH 4=****!B8HHYHYI" 44"C\*  4?G0*.?2F #\:6DHH
M .]/IG>GU4 "BBBM0"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M*0TM(:F>P(;1116 !S1BBEH&)BCBEI* "E^M)133"P&@]***+A8.U&.**.,4
M"#M11VI*3 /I2\]Z3/I2YXI#$I:3/H*,T7$+1111<8@I:3Z4O6A )Q2T8HH
M3B@&C/-%(0N*.:3-&:8Q:*,T4 %+2<44P%I*,T4 +1110,3%+110(2BEI* %
MI#2TE !1BCI1F@ ^M&**6@!,4?2EHH"PE S2TG!I@% % HH$&*.*6DI#"CO1
M13$'>CBCO11H 9H[TM)QFBP!WHH[T=Z+ %'>EI*=@#FCCO112 #0:*#0 'I1
MVHS10 =J.U%!Z4P#M1VH[4=J #M1VH[4=J8!VH[444 % HHH *!110 4444
M'>CO12T )1WI:,4P$[T=Z7O1B@!*.M+Q1BBP"4=:7BB@!*,4O%% "&EHX[T4
M !I*7BC-  :3)I?K10 '-)2_6CZ4 '.*3-+]:/I18 YQ24M'TH .<4E+1Q0
ME%+1QVH 2@4M'% !BD[TM'% !CFD[TN:.* $[T=Z7O2=Z #O1WH[T4@#O1WH
MI>* $[TO%)WI:8"&@TM% "?2E-%'UH 3M2]J*3&* %QQ1CBBEI@)VH[4=11V
MH .U)VI>U%*P"=J**7M0 E HHI6 !0*** #O1WHHH .]'>BB@ [T=Z.]'>@
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MH,*3M2TG44 ':CM1VH[4" =*6DI:8"4#I2TE !C%%&:!2 !1113 !1WH%+0
MG>G"F]Z<*J&X"T445J 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !2&EI#4SV!##1]*,48KG 6BDQ2T(8M%%)3&+1244 +1244 !HQ2TF*!!2=J
M7%%# 3)H%'-&<>M2(6DQ2TG:F,6BBB@!!0*.:7-( HHYHS3"XG6C%'TH^M(0
M=^*.<T4M PHI.:.:8#J2BC%,!#UI>:**2 .:*6BF 4444#"BDH- A:0T4E 7
M%HI.:6D "BBBF 4M)2T( I!2TF*8"TE&** "BC%%(6H4=Z**8!WHHHQS3MH
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M]* "D[4M)^5 !1VI>U)V[4A!2]J*/I3&)BEXQ1]:.U "8I>U'UHH !24M'%
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M:#1^5( -':@T?E0 =J.U'Y44 ':CM1VH[=J #M1VH[=J.U !VH[4=NU';M0
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MG0 ?C10*/SH **._>COWI7 /QH[T=Z._>@ []:.]'?O1W[T 'XT?C1WH_.F
M=^M'>CO1WI %'XT&C\Z8!^-%%'YT +2?C11VH **.W>CM2 .U';K1VH[4P#M
MUH[4=N]+VH 3\:.W6C\Z.W>@ [4#ZT=J!2 **/SH_.F 44H_&DH *.M'YT4P
M"BBCO0(7BBD[T=Z!BT8I.]% "\"C%)10 O HHS0: #@449H- "8Q2]NM)2]J
M8A/QH_&BCMWJ1AVH[4=J.W>D =NM';K1V[T=J  =.M'-':CMWH *.:*.:-0
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MTG%+0 4E+10,3 I:**8A,4?A2TG-%@#\*#]*/RHIB#%!H_*@T ':C\*/RHH
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MI12\T4 )12TAH /PH_"BBD ?A1113 *7M11VH0"4?A1^5'Y4@#M1VH[4=NU
M!VZ4=NE';M1VI ';I1^%'Y4?E0 44?E10 4?A11^5, HH_*BD 8H_"COVH_*
M@ HY]*/RH[]J+ '>CO1W[4=^U !WZ4=Z._:COVI 'X4?A1^5'Y50!B@_2C\J
M*0!11^5!_"@ (]J/PH_*B@!>U)1^5%*P7 T=NE':B@ [=*.W2CM1VI@':C\*
M.W-+Q0 G;I1VZ444  ^E H_*C\J "BC%+Q3L @^E'X4M)2L <TX"FYI151W
M=1116H!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %(:6D-3+8!N
M:.:*/PK"PP^M'%+24 '%!HHIH ZT&BC%-"#M0>E+118!.U':BCM0D #I11S1
M2: ****0PH%%% !1113 04M&:6D @^M&:6DIB#-%&:,TAAQ2TG>B@+BTE%'>
M@ []:***8@S1^-'X44 !H-%+3 0T&EHI@)VH[4M% "=J.U+118!.U':CM1VI
M6 .U':CM10 =J.U+29H **6BF @HI:2@ %%+24 +BD[TM'.:JP"=Z7BCZT9%
M%A"<9H[TUU=ONMBA%91\S9J;>0[#J7BC%,8/CY",T68#\\T'%1H)?^6A'X5)
M3U!C:6CGO2TDK )12T4 )1VI:* $[4=J6B@!.U':EHH .U':BBF G:CM1S2T
M"$H%+12&)0*6B@!!12T4P$[T4M% "4=Z6B@!.]'>EHI )WH[T4M "4M%%,!*
M6BCF@!#2T&DH$+Q1FBDH&+111S0 'ZT=J*.: #M1VHHYH ***.: #'%)2TG-
M  **6DH !2T4E "T<44E "T<9HI* %[T<9I*6@ [T<44E "T<444 %'UHYHH
M */K1S0:  T?6DYI>U, H^M%!I %'UHYHH .W%':CFB@ '2CMUHYHH !11S1
M0 #VHI.:6@ ^E&*2EH .**2EH 3O1WHI:+"$[T=Z7O10,3O1WI:2D =Z.]+1
M0 G>BEHI@(:#2T4@$H-+10 G:CM2T4 )VH[4M% "=J.U+10 G:CM2T4 )VH[
M4M% ""BEHH 04"EHH 2CO11WHN =Z.]+10 G>CO12T )WH[TM% "=Z.]+10
MG>BEHH 0T4M% "&BEHH 2CM2T4 )VH[4M% "=J.U+10 G:CM2T4 )VH[444
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MBF 4444 %%%% !112T )1S12T )2T44P$[4=J7M10 44G:EI )1110 4444
M%%%%, HHHI +1FDHIW 6D[T44 '>CO39 ^/DQGWHC#X^?&?:E<+#Z/PI*6F
M4AHI:+@)S1112 **** "BBB@ H[444 ':EHHXQ0 444<8I@)12\4<8H 2BE&
M*.* $I<44<4  HQ1BCB@ [TG>EQ24 %'>BCO2 .]'>CO1WH *6DI?K3 .]&*
M,4<4 %%&*,>IH **,48]: "BC%&/6@ -%%)]: %HHQ1B@ HHQ1B@ Z4448H
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MHHHI@%%%% !1110 =J.U%% !VH[4=J.U !VH[4=J.U !VH[444@ =**.U H
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MTP 49HHH 04N:** $I<T<44 )2YHQ10 E+FC%'X4 )WI<T8%% "=Z*.]'X4
M+WHS110 =Z,T44 (:*7%!I(!*6D-+FF &D_.E-)^%( [4=J.U':@ [=Z.W>C
MMTH[=* #M1^=':C\* #\Z*/PHH /SH_.BB@ _.C\Z!1^% !^=% ^E%( [TX4
MWO2BJCN ZBBBM0"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *2E
MI*3V ;WI>*3O2\5F@$_"E/X4=^M(:6@!^5+Q2&@T +0:2EIW 3-+V[4&CC%
M@YQ1SB@]*.W6F,.U':D[4=J5P#M1VH[4=JD HH[4=J8!1^5%% !^5'Y44"@
MHHH[TP"CO1WH[T@#O1WH[T=Z #O1WH[T=Z8!W[4M)WI: $I:.** "CFCZT4
M!HR:#BB@ .:3-+]:* #MVHH^M!H 3M2T=J.U !VHH[4#I3 *!112 .U)FE^M
M QVI@'-)2T<=J0!S24OXT8H *2EQ[TG>@!>:2E[]:.,T '-)2\T<9H 2CO2X
MYH[T )12]Z.]%@"BBCCO18 H-%''>@!**6DQ0 44N.*3% !2]J.U'UH 2EYH
M^E% "9I><4?2B@!,TO-'THH 3-+S1]** $S2\T?2B@!*7FCBB@ [T=Z.*,<T
M )2\TG>EH 2EYHXS1S0 E+S1Q10 AI<FCBB@ -&31]:#]:  YHS1]:#TH0 :
M.U!Z4=J8!VI*7ZT=J #M11VH^E( YI,TO;K2=J %YQ29I:/I0 <TF:6CZ4 '
M-)FEHXH *!1BDR* (;F9HHR1CI7'WLDMQ,RO(0N>QKJ[[_5&N4NO]8?F'7TJ
M)-W/4R]+<9!:(C80ES5U+"X8Y6+\Q5W1X8R Q )^E;X ' I*)6(QDH3LD<1=
M66H1/N6%<>PJHQEQB9=IKT(J".>:SK_3H9XR?+4M]*;C;4*68IOEG$Y"TU.2
MSG51*=N>A-=II]ZMY$&'I7(SZ0X<CR.>U;6C6]S;KM9=HI)V*QL*52'/'<WV
M4,,$<5SFN6T*KD@5TG8<UD:Q$'C.<?E3DCAPD^6HCD(6B#D C_@57AI\MRN8
MU!^@JB;6/SLD8YKJ]#*A,"E?4]C$UG3CSQ,:#1;[NB?B*E_LO4(>0J$>F*["
MCM5<IYCS"HWLCS^[23.V1"I^G%) DT)5HS78ZC;QR1D^6I(]JY::X>.4HL8
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M.LB2*;(48]JRK:[87:DMC!]:Z;6%4GYNE<Y+;P\E,$TDSVL/*,Z24D=A:ZC
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M[4=J #M1V[4=J.U !V[4=J.U':@ [=J.W:CM1VH /RHH[4"@ %*/PI!]:*:
M**** %H[TE+Q3N!'*K.,*Q!J!$N5?YG!7ZU/(S ?(N34"7$QDVM#^.:EV'J6
MAFE[T@R?:H)9)H^4CW55^Y)8[T5!#+*_WXMOXU/FA6&&*3I4,TDZ?ZM-WM1!
M+-(/WL6P_6BZ"Q-1B@U7F>Y0CRX]PH>@EJ6*7BHHFE8?O$VT]L@<=:+C'\]J
M0U2,EYNXCX^M6T+E1O&#1=,&.[44UPQ'RG'X56"W6_E_E^E#T!%OZ44U=V.3
M2]NM( [4=J.U':@!:*3M10 9I><4<8HI@)FEYHI/QH ***!2 6CO24"F(6DH
MX[4V2,NN,XH8QV116?\ 8;@2[A=G;_=Q5]%*KAFS20W;H!8#TH# ]*9+#Y@P
M&VGVJ&.TD1L^>2/2EJ-)6+5+25!- \A^64K]*:N2BQ14$4+Q_>D+?6IB,C%%
MP#I1FJ[VN6R)&'XU*D>P?>)^M)#9)Q12&BJ$'UHHHJ0#M1VH[4=J #MVH[=J
M.U':@ [4=NU':CM0 =NU'Y4=J.U !^5 _"@4"@ 'X4?E0*!0 "B@4?C2 .].
M%-[]:<*N&X"T445J 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M24M%)[ -HS[4G>EK, HHQ[T&D 448H- !11B@T )S2T44P"DI>M':@ HHH[4
M )VHH[4=JGJ 4444P"BBB@ HHHH 6BDH[T +12=Z* %I.]'>CO0 O>D^M'>C
MO3 .*6DI>] "4O-%%( -'-%!I@%+24&F &BC'%':C4 -'-':CM0 =J.U':CM
M0 =J6D[4=J+@+1UI.U':@!:3-':@4  I:2@4 +124=Z %I,T4=Z #O1WH[TO
MX4 )WH[T8H[T '>CO1WH[T %'3I1WH[T"#F@T44KC"BB@T %!HHH .:#1UHH
M .:*.U':@ YHHHH .:**.E !S1110 G-+10* $YI:*2@ I:** $I:** "BBB
M@!*7FBB@ HYHH[T !HYHHH #1S113 #10:*0 :*#1BF M)S11VH **.U':BP
M!2<TN.*!2 **** "DYI:* "DI:*+ )]:*6D[TQ#)(U=2&&:YK4].$>Z0(Q%=
M3BHY81*I4BI<;G10KRI2NMCA[;5)[.3"(=H[$5T-KXAA=1YPV'U[50U319RQ
M>$9'H*S187 3;-$<5%['K2AA\1'FZG91ZC:2CY9T/XU.KHX^5@:X'R8(VP9)
M(_I5^WC&S='?R\=LTU(Y:F BM5)_<=AM'H/RI>G:N4&J7=H>&\U1ZUIV6OQW
M+!)$VL?>J31S3P=6*ONC8JO>1!XFSZ58!# $=Z;*,QG%#5T<T6XLXR>V3S&W
M%OPK2T7;"Q W52U.9K:7F+.3VJJ+J9AF,E![&LT>[*$JM*W<[H'(S1N [UQ
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M/SHH[T '>BCG-+3 2BC\*.]( HH-!I@%%!HH 6DH-':@ I:3M10 4=J.U'-
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M$2*6Q\W7VI>::K%ADKBG<XJ1!1VH[4=J8!VHH[4=J %I*.U':@ HH[44 %%
MH% !0*** "BBCO0 =Z<*;WIPJH[@+1116H!1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%)28"=Z*.]%9@'%%)WI<T7 ,>M&**,T &/6C%(:7-
M !CU-&*/K1F@!,>M+QBDHSQ0(7M2=J7C%':D,.U'&*.U)]* "BCM0* %HI*!
M3 7%%)1FD N*2ES2=Z8!111WI '>CO1WI>* $[T4=Z7BF 8HXHS1D4 &**,\
MT<4 %)2F@TQ!0:0TO'>@84?6@T<=Z  T8]Z/I1VH .U)CWI>U':@0=J3%+VH
M'2@ XH[4<4O% Q.U Q1QCB@4  Q2T4?6@!!2XI.*7- "=Z6DHYH .,T9YI.]
M+CF@ XS1QFCC-&.: #C-&*.,TO- "=Z,4=Z.:  T&@T4 &/4T$4&CGM0 8]3
M1BBCH* #'J:,4<=Z/I0 F*7M1CUH^E(!*6C%% !1QVH[4#I0 8HXH[4@H ,4
MM'- H **.:!UI@&*.*.:.]( Q1Q1S1WH ,4<4=Z3O0(7%'UHYHXIC#%)]:7/
M-'% !1Q030:0!BCBCFEQ3 0XHQZF@T?6@ .,4GUIW%)Q0 =J,<4M% "=J3%+
MVXH[4 'THQ0*.U !QCBC% HH *!0*!0(.*3Z4HH% P%'>C%)0A!2\TF:CDF6
M)<FDV-*[LB3 [\TTQHW5162^NJL^SRSCUK2M[E)U# @4KIFLZ-2FKM$$^E6L
M_P!Z,9JB_AN ME'VUM]Z*.5#AB:L/AD<O=Z=+9H2H#J*RHG0S;S\K ]S7;W*
MJT)#=*Y*^6W@<D(3^%0U8]/"8AU$U):G1:;<+)$,N#6@<%:YS1KF.086,C\*
MZ,=.U5'8\[%0Y*C.=UKRE.9&Q^%82G[3($C88]:Z/71$5_>*#^%<O%);PW2^
M4_?TJ3UL)K1NMSH[;PZ"@9YLY]JN+H, &&;-6K";S(%YSQ5WM5**/+J8JMS-
M-F,?#=FQRRY_&K=OI=K;_P"KC%7OK1]*=D92Q%62M*0@&T8'2EQ1VI.U5<Q(
MYHQ)&01Q7&:A-%:WA BYSUS7;')!KDM;MU\YG*5G-'HY=)<_*Q+":2696$H"
MYZ5UL>"@Y[5P=G,8Y%( P#T%=1!JL:1C>C_7%$7;<TQ]"7,N5&O169_;=KC^
M+\JC_P"$@M=VT))GZ4[HX5AZK^R:_P"-%9CZS$JY$3GZ"JG_  DB>9M^S2C\
M!1S(:PM5ZJ)N,NY2*YO5K"4OF-@*WK>Y6=0P!&:?+"LHY%#U"C4E1F<>EC-P
M?,7(K;L;CR0$E8?G4-W930,70KBJB7<9;9)MW#T%3U/1F_;P[G4HRNN5/%.Q
M6 EX\(S&P8>E5YO$L\9P(-WTJN8XHX.I)^Z=.>E<_K5Z%C,:XW?6J#:W?W8V
MB+8I[]ZSY[.:5][2,3]:ELZL/@N2=ZK%@260Y8?K706%L1M.T?G6/8P3F01[
M6QZUUEI#Y48!_6A:EXZKRZ(L+T%<]KD*EM[$ "NBK+U:W$D#,0#Q52V//PD^
M6JCDHID\W",3SZ5UVE,##7)1[8Y" @!S72:5-MC .*D]3'QO#0W/K6+K2Y'
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MTI"Q'\)/TH]0%HI ^?X"*6G8 I,FAF8#A<T*2>JXH #DC@TU58'DT\BBIMJ
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M._:D[]J.8!>]'>CG-%',%@HHH[T^8+"T<4E%',@ TO%)11S!8#1VI,TN:.9
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M46&'04F:6DHL(.U'-+10,/QHI*44 %%&*,4 %'XT"B@ I.]+BEHL%A**6DH
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MV 9YH[]:6DH&'/K0<TR12RX#$?2J?V2Y$F1.VWZT 7\FD90W6D164?,<TZD
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M11<!:2B@^], HHHI#"BCZ4?6@0E%&*.W-(!:*3MQ1CUH 6BD^E+S0 44"BF
MM%)13 6DYI:2@ H_"C S10 G>BCBCO2L(.<TO--[TO6D M%)WI>:8PHI,4N*
M "D^@I<44 %)1Q1GTI '-+VH^M(>E "T=J3%+VH **3''-+VXH **3'K1Q0
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MM)1WH .]!HHHL 4444 %%%+0 G:BBEH 3M1VI:.U%@#M2=J7M1VH *2E[44
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M]J,4=^M'XT &**7.*0FC0 HHS0?K0 ?6CZ4=J#28!1VHHIH ^M':CCK1GB@
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M5@-RX\,6%S=?:'#;ZT[:VCM8Q'&#@5PZ^*/%5M/_ *;H16'^\) :M3_$*U2
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MF32[&-XK(SLPP 7I!8[AL,I!Z&LB;PSI\\QE=#N-<F?%GBN6V6Z@T,>4W/\
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MQ$('6;'][SCC\JO:EXW:"?['IUK]IN.PW8HU Z32-#M-%B,=KG:?6M+VQFN
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M3TB5!QG\Z=0AG&7/@. RL\&IW<.X\A7Q2VOP]LD??/=3SMZNV:[!HU8\K3L
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M_A71YI*-!7(+1KAHE-PJ*^.=M3BEXI*8!T- I>** #C--=6(^4X-.XHSS1Y
M5E2Y$GS2+MJR ?6CC-&>::20"XI*1F8#@9H5V/WEQ3T 4XI*7BF,S#HN:FR
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M4G[G6MF+PIY.E-9FZR2,;]M5].\+WVGP/!%?Q.CGKY?_ ->I%H5)?B/"A/\
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M4O-)]:9(=Z.]%!*CJP_.E88=Z.] YZ=**0!12T4P$[T44N*8"44&BD 4444
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MQMY)/4I6[!IEE:@""TBC Z;5Q0[L&3M(L,.^1N .37&ZKXY,.H+86-MYDCG
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M%!ZT5@"#%''>CF@T %'%&:#0 8H-&:#3 **.U!I ':CM1VH[4[ %%':CM2L
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M:,T44@"DR*6BF 444M%@&FESBBBE8 XI.U+118 HQ2T4[ )11118+A1113L
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MT6"Q[%S36DC4X:15/N<5#8B0648E)+XYS7!^.K:]-[#+;QS,BG)V9H$>A%T
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M@L>G%T'5U'U-)YB 9+KCUS7F.GR:KXEE:8B2V0\A6JAJ2:Y:WAM)9F-K_>/
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M!3@*;2BG'<!U%%%:@%%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M10/PI656&T@$>E+1WH 8L,2?=11]!3^.G%%+3 B,$1.3&N?I4F !C Q2T47
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MJ-3)GD4 2?6@44?A0 M%%)S3 ,T9HYH% @S12TE%@"E'6DI1UJH[@.HHHK8
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MTGB/1H6VR:E;(1V,@J2#7-+NFVV]]!(3_=;-<S:>"TO9EO-30>=G)%7KS7=
M\.8MSM6;LH3K3L!TV<\TOYUR0\77<T#7%OI9DA'\1?%16'Q!L[JZ%M/#Y,I.
M,9S0T([.H)[RWMEW3S)&/5CBI%D#1AQ]TBN&\;^*H]/3[)&@=I.*5F,ZF/Q%
MHTLFR/4K9G]!(,UHJZNH93D'H17EW@KPOMDDO[N+?O\ F4=*W=7\>0>'Y%@G
MLRHS@<T6OL!VU%8FC^(4U>W$T<) (R*R]9\<Q:)+MN;;"YP#NI ==1TK#T?Q
M)%J\(E2(HA&<FDU#Q;I6GL4DG#..RC-/4+&[UH[5RI\7R2Q^;:V#2Q?WB<5-
MIWC&PO;D6KGRK@_P46: Z3MWHHZC.>#1Q2$(S!1EC@>IJG+J^FP';+>PH?\
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M\J!1WIH _*CO1WH'6@ YHH[T=Z-0%I._:CO1WI@'>C\J.]+1J G>C\J.]+0
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M  CFE_\ /O\ ^/&C0"X-1LSTNHO^^J0ZE9 X-U%_WU57_A'M,''D'_OHT?\
M".Z7G_CWR?\ >-&@%K^T['./M<7_ 'U2?VG8@\W</_?55O\ A'-+/_+M_P"/
M&D_X1S2O^??_ ,>-&@%O^U+'_G[B_P"^J/[4L<_\?<7_ 'U53_A&]*_Y]O\
MQXT?\(YI0_Y=_P#QXT70%O\ M.QSC[5%_P!]4IU&R_Y^8O\ OJJ?_".:5G/V
M<Y_WC3CX>TSO!_X\:- +/]I67_/U%_WU1_:5E_S]1?\ ?55/^$=TL?\ +N?^
M^C1_PCFE_P#/N?\ OHT: 6_[2LO^?J+_ +ZIW]HV?>YB_P"^JI?\(YI?_/N?
M^^C2_P#"/:9_SP/_ 'T: +?]I67:ZB_[ZH.HV>/^/F+_ +ZJG_PCFE]?(/\
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ME$QN/$6ORV]O=.B*QY1L5U5U.V@:!]GBU!3= ?QOS71Q^%-,LBTEC;B&0_Q
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MM)18!**,TM'* 444"JL 44"EI6 3%%+13L E%&:6@!*,4M)WHL 8I:3O1WH
M6BD-&: N+BBBDH 6DZ=J6B@ HHI#0 M(:*#1< I:2CM0 =J.U':CM0 O:N.\
M2>(]0TV?RK?RE4_Q,*["LF_\/VFH3"29<D=C1?0#F+;Q!J,EHTQOXVD'2,8Y
MI(O%FM-"Q>W5<=&*FNMMM#TZU'R6D.?7:*;?Z-!?0-$,1@C'R\4M1E?P[J5S
MJ,!>X*D^PJKXDUR[TP 6_EY/]ZF6?A.YT\G[-JCJI/0C-2W?A;[<O^E7;2$=
M#BF^PC$LO$&KW.2]QC/3:HKHM-O;KRGENY2ZJ,]*SH/!]S;$^1J04>ACS4S>
M&+]_E?5B4/50F,TM0,C6?&=^9BFCM:@*?F\_-7?#_C)M1)M[@Q?:%'.SI6I9
M>%=,LP=UNDC-]YF&<U!<>#M,:3S;5!:R'JR'%,+F9J'B;6H;IHUM"D0/#A*2
MU\2:BYYNK;/]V0XK2D\-%(L1:FZMW,C;A^1JM'X/BF?-Y>PSC_84*?TI6D,I
M7WBS440B-H0W]X#BBUU_5IH0[WD6?0"M&?P5:F/$$WE^A8[JA'A6YCCV)JUN
MH_ZXK0KAH=!I5Q<7%N'F=6/J*J:QK$]@A,00D?WJLZ79R64(CDO$F/JH IFH
MZ-%J((:3&?>C6PCEY_&&K+:M)##"\@' P:31_'MU.C)J=NL$V?EP,"M:/P=%
M$<BZ(JQ<>&K&>S:"1HRY&!)QD4:CT,R;Q1J(D A6&4'H%&:JS^*-=\P#RHK=
M?612!5NP\#6UED_V@[9.?]8>/UJQ<>%II.(-3 7TD42?SI68:%6W\0ZL2,W.
MGRCN%)S5;5?%NJ6[HD!MDSU+9Q5V'P4 VZZO8V_ZYH(_Y4V^\%17)4PWR1[?
M[X#?SHU8:$46N:U(8S]NT\[NH!YJ76?$VHZ6D>&MR6ZD]*:GA&_0KMU>V 'I
M;+5Z?PD;Q5^UW*R[?]C%&MP,;_A+M0\@2G4-,!/\!;FK.E^)M;U24Q1V\0 Z
M2[3M-:S^#M"EMA%+96Y8=&"@&F:7X:DTJX+17Q,'\,6.!57 S-6UCQ-IA!+6
M+ G ZYK2T:X\17<:S71M/*;H$SFI]5\-KJF"9RN#GBM.PM!8VB0!]VT8S2OH
M(;>74UI:F01&5P.BC-<?)XRU1KPP^5!;+G[TP(KM+NV%U"8_,://=6Q7+7/@
M^YDE+1:G&0>TL0<_K0,+?Q-?I-^_DLI8O6(DFJ]QXUOY;W[-8VBY/ :13BIK
M3P*4N?.N;P2#^XB;!^E6IO!RB;SK2Z:%QTSS1<".6[\6VUO]IE2P:,#.U0<U
M6A\?(D#?:X=DZ]% ZU?.A:[,GES:Z&BZ;1$!^M)_P@^FO"PF_>2G_EH2<T7
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M@ [T=Z.,T4 '>CO11WH .]'>CO1WH .,T<9H[T=Z5@#BCO1WHIV 6D-!HHL
M4&B@T6 6BDHI#%I.*#10%PXHH[4=J+"%HI.U':G8+BTG:CM12 !1VHHH ***
M*;3 !0*!118 '6BBC-%@#O1WHH[T '>CO11WIV ,<T=Z6DXS2L 4=Z.]+0D
ME!I:2G8 -!HHI6 6D-%!HL =J.U%':@ [4=J*.U, [4=J.U':@ [4=J.U+0
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MH XW_A (1TO9?U_QI/\ A (\_P#(0E_7_&NSHIW XT^ 8\<7\H_/_&F'X?\
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MJVY<X(^M+M7THJ4@"CM2T4P#M2=J6BF G:BCM2;U!QFBP"BBEHHL E I:*&
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MVH[4=J.U4 =J.U':C\J "CCTH_*C\J+@% H'X4?E2 *!0/PH% !WH[T=^U%
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M#]*.>U%%V%@H-%)^5*X"T4F:6BX!VZ4=NE&:,U5PL';I11FBE<+!Q1Q111<
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M\(5K ^[XAOS]9C2MX+UDC_D8+W_O\:0'=45PH\&:R!QK]Z?K,:7_ (0[6O\
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M7.VQAFC-)S1BE<-1<B@T4AHN N:***?,P"BBC\:+L H[<TM)3N 4<"B@TG<
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M\[7'_78_X4"-:DK+,NM=K6U_[_'_  H\[6_^?2U_[_'_  H&:E+FLGSM</\
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MEA[F>89_0UZA;:-8VA+0P!3UZU<8IMVGI2;2'<\4>#6-*F1+N^NG9CR(Y/\
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MUO0^!M+#AKA3-CIDFK=SX2TFY50T+#;TPY%'70=SB;FYO["2-OM=U&3]X32
MC]*[31=5:\C57GC<X'W0<U7_ .$*TYW4S$N%Z DUMVNFVMDH$,87 Q0TF2V<
MOXPU*ZL8E-K*5;//.*Y:]UW7WL8FLY@9.,@M7I6IZ%8ZL@6ZCW >^*I#PAI@
M14$?RKTYI+3H.YS5IXRNK/3T_M>)X6Q_K ,@UF#QG=MJ'FVDIFM\\#FO0[CP
M]IUU:K;SP!XQT%4;7P3HUG<>=#;[3Z9IZ#N<[!>:GKMSAK];6(_PJQ#5=%CJ
MFF3;X]8BDB':60DUK7G@[3;J7S44QR>H8U'!X)TV-]\N^1O4N:9)S4/B#4I-
M>$+W"LF?X&P/UKNHK@FURTB[L?WA65/X'TF:3>L95O4,:6#P99V\@=9'X[;C
M2L!SU]KE]!X@B@$^(RPR":ZC5[]H=),D4R^9MSPU)=^$=,NQN:/]X.CY-5(O
M!%JDFZ29I%';)I6NAW1R-MXBU:19%,Q'. 236EI-KJ=]ODEU9U/8>;Q75MX7
MTLQ[!!@8]:H#P-IZ.3$S*#U&XTT#:9BRZWJ.B%HYIUN0>A0EL55C\1:E+'(Z
MRXST#'I7:6?A;2[)&$<.2W4LV:8?">EDMB+&[KS0%SSZQU_Q0]X?(*3J#R"W
M:M75O&SI;)$TAM[H?>!! KK;#PKING3&6WCPQZ\TNK>%-*UD 7=N&P<Y!Q3O
MY"N<=_PFU_;V<9"!MW&\C(JT&N[BU%]<:HT:L,A8WZ5U*>&-*2S6V^S@QJ,#
MFL]_!-GO)AD,8/;)-"&<QIGBZ9-4%LU\CQ@X^8,37?27Y:P\Z-@3CK6=9^"]
M(M)A-Y(:;NV:VI+.%X?*VX7'2EH)L\SNM:OI]8,,E[)%'G^ FK4-]K4-X!8M
M-=+_ +9_QKLH?#6G0W7VA8@9/4UK".-?NHH^@HOH%SSZY\4Z^LZV<MK'!(_
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M\S66/;-=#WH[T: 8&SQ+N^]9X_&I,>(]O6TS^-;7?I2_A1H!A >)<<FSS^-
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M9'UHCB6(;4&!]:+L#F?[7U_.#8#_ +X-*=7UX-Q8C_O@UU%)1<#FQJNND?\
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MBC\*/PHN 4"@48H /SH'XT#Z4#Z4 'YT=^]'-% !W[THZTE ZTT]0'T445L
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MXG.CHN+;S6;H,T6:"QT=%</%X@U6_MI)Q(MFJC(! ;-9VB^.=2N;]K:6+[0
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MA!J:H;>VAM(A%!&J(.@%35(!W[4=^U+28YIL0M)112Z##BEI.** "EI.:6A
M)WHYHS13; 6BDS12 #11FB@ HH^M'TH **/K10 4444 '-'UI:3B@!:2EHH
M3%%+10 E I:*:"P4444@$I124#K36XKCZ***Z "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** &FDZ4IZT5D 44G>BD M&:2B@!:*2B@!:2B
MBG<!:,TG:B@!>U)VH[4=J38!S110.E*X!S11VHI@+1244 %+2"BD 9I:2CO3
M 6BD[T=Z %HI.]'>@!:*3O1WH 6BD[T4 +12447 6BDHH 6BDHH 6BD[4=J
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MU.DL<@RCJP]C4W P?L_B;'_'S;_E2?9O$W_/U;_E6^TT2?>E1?JPIGVF ?\
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M<P63Q-N^5[/;[YIYC\1XXDM<_C6QY\(X,R _[PH^T0CK,@_X$*!&'Y?BC/\
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M0 F:*,4"G8 I:2BD,*44E**:W$.HHHKH$%%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 -/6DH/6BLGN =Z#10:D HH-!H ***#3 **.U':D
M M':D[4=JJX!1VH[4=JEB#M111BD,.U%%%, HHHI-@% Q0#1F@ H[T4#K3T
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M!;![*-N&SS7J,%I;VX_<PHG^Z*;<:?:7G_'S;QR_[PS2MJ.YPFCV]K;VA?\
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M+?3+6U3;%$H'TH>@7/,[[Q%/-<_8=,Q8X."TS]:V;;2(A:":ZFMYIV'W_M!
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MY0&./K6#K-R(Y_L6GP&.XS_K1*2*]-@T2W@0*&9AC^*L^;P;I\UW]I+2*_\
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MEY-YO_UWR_2K:!PN&;)]:6CFBXF&**.U'44AAS1BC%':@0?C0/K1VH% "TE
MI:8Q***6@0E%'>B@ HH_.C'-# ***,TDPL'>BEI*0[!^-%%%-,04M%(30QAS
M1112N(6BBBF,0T4=:,4@%HI**+@+124M PHHHIB$YHYI:2@ HHHI7"P?C1^-
M&**8@YI:3%+0,2@49I136XAU%%%;@%%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 ,/7I2TAZT?E6#W **/RH-*P7"BB@T6 6BD/X44PN!HH
M[=J.W:@ -';I1VH[4 ';I11VH[4F E+^%%%(:#%+113 04?A2T4 (**6DYI
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ME0]AW.;N]%U%[8I!<E9,??Q7/Z9X&OK;6!?W5QYSYSDBO1.<T=^U)607.?\
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ME>GTE CGX].NX-%6VMT\IPN,=:X[3/#&MV&MRW3V/FAR?F+BO4:6@#"LM,U
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M$75=7)_Y!'_D2E?4]6'32<_]M*VZ2C4#!.K:QVT;/_;2@:MK)X.C8_[:5O\
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M@<ROB2_/+:20/7?2'Q/J&["Z0Q'KOKI\#T'Y48&>@_*G<#ECXFU,'_D#$_\
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M+3-ZG[K TN: N*:!129I"%-)FBEHL 44GXTM PHHHIZ@%%)S2TK@%'X4#-%
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MHIL!.]&***FX[!11DYZ&CFCF"P&C&:*.::$&*#11S0 48HP:.:0P[44<TO-
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M6('!D_.@^%K$_P 4H^AK&G^)6DPVZ3"UNW1NFU!_C6SH_B6WUE T%M<1@_\
M/1<4M0V#_A%K+&/,F_[ZI!X7L5Z/+G_>K<K#UWQ+;Z%;M--!,X']T47 5O#%
MFXP9)A_P*FCPI8J/];/_ -]5R5EXZO\ 5+S?;V-W]E)[1YKN;74%DM1)-'+&
M,<^8N*-4,I-X=TY/OW+CZN*5?#M@ZX2XD;W#@UYUXTU2&[U9;2WWON.-T;FM
M;0=8M_"MIMNK;4) W.\Q\#]:=M!'7?\ ")V1Y\ZX_P"^J</"UFO_ "VN#]6J
M72/$5CK-N9K=RJ#KOXI;OQ%IUJ<&42-Z(<FEJ!&?#-JPYFG_ .^J:/"UH/\
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MC/J%I;+F29!GH,]:I-X@MDR3#-M_O;>*+ 5AX60-N_M34/IYO_UJ?_PC*_\
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MR/7-/F3?%<(Z#JP/%0CQ+H[2>6-0@W]-N_FC4"%= N!UU.<_C3O["G[:G/\
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M5YM=TM25^W0Y'^U7*^+O%#6=NITN_!D8XP@#4[O8#=_L&^'359/Q%']A7O\
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MKR"SB47ES&C]RQQ47]N:6/\ E_@_[[H&4$T;5$/.J@_5#_C2G1]4)R-4 _X
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MG'<!]%%%="V$%%%%, HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MHCMI=0>+H06 %;F@>&+71,O$I#MUSUK8EN;6V(626*(GH"0*F1U<94[@>XI
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MQ_Q_::K/)^^$GDYXV\UT/@(Z=:Z6BOM$P'5EYKO'BCD&'16^HJE)HMA*^YH
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M.PPI*6DH *6DS0:!!2@TE**:W =11170(**** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH :>M)B@]:.]8O< HH[T&IL%P-!_&BBF ?G0:**=@
M#MWH[=Z.U':D =N]':C-';I3 *.HH[4=J0!11VH^E2T,6BDS1VI@'XT4<4"@
M0"C-% H!"T4@-&>:!W#%+244@%HI.]&>: N'?O1W[T4<9IB#O1^='>BF ?G0
M:.]%( -'YT49I@!_&@T&@T ';O11VH[<4 &*7M24CR!%W'/X#-(8V5UCC)=P
MH ZDUY3KOB77CKIL])=7&<#DFM[QCJ5]=VK6MG8W+D\;EC-8WAKP5=[1>-<2
MVUT>?GC-6K=0-I+?66TGS=1OOLTF,G#XK'M?$>I:?J20+<BZ@)^9R=V*Z9_"
M-W?';J>IFXB[IMQ6G:^%],LK-K:"$*K=23F@# U'QM+YT=I8Q;YG'WB,@&I&
MM-9:S:ZOKX0MC("/@4Y_ S177GV5[Y.#G&W-69O"MU?$"^U R1C@H%QFD!S=
MAXLU6'4ULUVW,9."XR<5+XT\1ZMIAA^RNB!_O;CTKMM+T+3](CVVL(7U)YK+
M\1^$D\0,N^X$:CJ,9S1HM0N<_IFM33Z:\TNHAI@N0J/6!IGBK6+C4GCN+M(8
ME;C>V":]"TGP=I^D6K10*-S#!8\UF+\.-/>^^TW$GF-G('2C09'>7VJW4<?]
ME2[S_$23BG/KMQX>M1/JLWF.1PB'/-=E;VL5M;K#&H"J,<5SOB+P9#KBC;/Y
M+@YSC-)(1A6GBS4M;F8;/L]M_"^"":JWFN:QIEROV/S;O)P1RPKHM,\-:O81
M+;C55:%> /*%;-OI'DY;S TA_BVTVPN5(]5N)-%6YNBMM(5R0_&*X1/%?B6?
M7C:V*QRQ9X?!*UUVM>%M1UF-H9-5V1$_="4_P_X5GT-1&+L2*/\ 9I:#T,0O
MX]>^'R6HA^AKM],%X+4?;BOFXYV]*NC('-&!0A&1JWB*QTJ!WDE4NHSL!YKF
M;+Q+K7B&;_B6P)';@X+2 @UK:OX,M=4E:82>7*>AZU#8^'-5TZ$P0ZB-IZ-L
M'%/0#,U?4]2T:0.UW&S#DINK0L/$MQ?Z-)<R!864<%N!4B^![>6X%U?3&YN0
M<JQXQ^%0ZMX1U'4T\E-3$$.,;1&*- //M5N]9\07JQ6USYB@X/E$D5Z%X4\.
M7NF6ZF?RCN'([TSP[X'F\.REX[T2[CS\F*[)00H#<FAOH#9%';6]L"Z1(A[D
M#%<UXA\8+I+A(XR^>"0,XK=U.QDOK=HDF\O<,9KEK#P9?Z5</)%?B;>>CIG'
MYT K%5O$XFA$R:K;)(>D;R8-:&A:OK5U*_VD0FW RLB=ZGO?"3:LBB]DCX.?
ME0#^5:]KH=M:V'V5,XVXSFD%SA];\6ZU#J/V?3#!,0V"HR2*["PU"X.D)/?L
MD4Q7)!.*P(_ -Q9ZI)?66I;&<YP4S3M=\$:GKENL<VLE<>B8IM)@9<GC'6I?
M$?V&T6%X-V-W6NDUK79-,T8R3NOG8Z*>:I^'?!,V@@?Z4)R.Y6F:QX$N=6NS
M<'4=B_W-N:%8+G':/I^LZUK/]I1Q+Y9.<R UO:AXBUK1KC89+,JO\"GFMZV\
M/:K:67V2WO/+3IO"BF0> +(SBZO',]R#G>>*=PNA^F^+Y+C27NY[=@R#[H7K
M69%XV_M!F_TJWLP#C$YVFKU]X.O)KQ+BUU#RD3_EGLX-6)M#O[NW^SS>5M(P
M6V+4Z=0T,NV\2ZJVH)#:RVMW 3R\9W8K6\1:[<Z?8DQR0I(PX#'FI-(\'VFF
M*6#;I#SD<5F>)O!U]K,\<D-YLV=L4=0T.2T.W\0>(;]I;AUVJ<KYF<5Z \VK
MZ9I[&1[3Y!QS5>T\.Z@(42>Y ,8XP ,U6UGPMJVK!46_\E%[8SFC=[!H9&F>
M*-9UO4&A:RM)41L$[2:Z36]1GTC3A);I;1RD=&XI?#WAE]&C8&0,QZMBJ?B/
MP?>:RHV7NW!SC%5H!Q^GOXG\0:D?-:/RLY!;.VO0[4:IIMEMN9+4*J\8-4-,
M\.:C!;1VT]Q\B=P*T-6\/2:C8K;QW1C('WL9S2>H',VOC37+S6)+."WA9%)&
MX UTNH:Q>:?I/VB8PI+CHW K%TKP?J>F3LR7P^NT5!K/@C6-5ES+JI://W-M
M&@#M#\6ZYJFH>6T$)M\_?134OBSQ+J=A$8[(P&3T[UMZ!HLND:>+7 R!C=7.
MWG@S4Y->-_'<@KG.T@4K(#*T/2/$&KNNH330J^<[6)KM+J]U/2=+::<VVY!V
MID6AWZL)6NL,/X0*RM:\,ZYJD@Q>;8^Z8'-+=@4]*\37>LW)>XL;9H5.#)LZ
M?C6U=^+K&Q=;:RMVEF;IY0R,TFF>&)K;2Y+*3"EQ@L*H6OA"_P!(NO,M7$PS
MGG J] T--=0\0RV[3F*")0,@."#533O&<S71@NXE=@<9A&:MW6E:WJ2['O/L
M\9&"@ .:@M?"KZ-')]BC$LTG5R?\:3M8+C?$_C&;15C,$:.S]%(YJOI7B7Q)
MJ=N\IL8X% R&E0@&L_\ X0K6+F_%Q>RB50V0O'%=)J5EK+Z<+6R4(-N"<BCH
M!S1\<:_:WGEW$%M,N[&( 2:[_3+M[ZR2=XS&S#.",5POASP;JVEZDUU=N)0Q
MS@XKT1,A!E<>U%@=AQ'%<MXH\1W6A0[E6%PW&#6]>M=>4PMX]S$>N*\^OO!V
MN:E?>==2;XMV0F1Q0@+^AZA<:Q,LL^DP"-N=_EU8\1^*IO#T1%G!$Y'_ "S4
M9-:MK;:C8Z:MM;VP!5< [A7+KX+U:;7?[1N7W+G/EY%5H!H:-XHU_6;+SDL5
MA/K*A K.7QWK4.N_V?<V\,@SC]TI)K>U:PU>YL/LUG"(>,;@PK+\/>#[ZPO1
M<WBB23.=V12W [2PNWO(0[PO&2.C#%7*:N0@!&,4V16:,A#M/K20CD?%GB:[
MTM&BM?+,A' /6N4TBV\3:_+]JD=(\'(#9%:VM^$-7N]92]B(E53G!(%;UOI>
MK.BLSB J/N#!S1=I#+D%S>V.GM]N:%2@XVFO,-9N+OQ1JZK;V\TJQM_"N175
M^(M!\1:NR+#^[1>OS#YJT- T2^TBV8"U E(^]O%/H!D3ZOJOANW@2*TME&.0
M5^:NCT;Q0+^#?=1& @<EA@&N;U/POK^JZBDT_P#JU;(&X5LZEX3GU.RCC$WD
M,@[=Z7J!+/XWL#<&VM75Y1QUR*J:EXGU6QB68&T,9[<YK-TGP[K6BW;%;!+E
M>S%U%;XT[5K^0>>J6Z_W<!J-@+&@^)EU=55H)%DQR=O%=#BJUI:BUA"G:2/X
M@,4VZU*TLXV>>=$ '<TP*FOZL=(L6N%VD@=#7&:;\0M4U.]\B'2Y"N<>9Y9V
M_G6+XCUF?Q'J9TZRD_=D\/VKIM"L]>TC31:PV*2\?ZWS%HL NK>+M9T?]]<P
M0&$=E'S5L>&_% \0V;31QE"/[PQ6)_P@]]J=[]KU.Z.TG)AZUH76DWMA8M9Z
M38 !ACS/, I:,"AK?CVXTC4UM!;B8L<?NUR:BG\=:V&7RM!N_+/\9A.*IZ5X
M0UB'45N;ZV$Q#9W%QQ7H-Q:-=Z?]G8^42N,^E,#EX/B!;I%B] CG[1]#4L?B
MJ]O8V>U2*)5_Y[#&:P;CP3JEGJ@N+:);M0<_,0/YUT AU>XC$3Z.D(Z;A(#2
M8%6P\=.;KR+R-7;.,PC-:NN>*%TJV694SN&0IZTMMH]S8QLZ1I+(>@P!BN6U
MCPWXBUJ_CDG@"Q(>!O% %W2O'M]JI<1Z7.H7^(QG%5[[XB7NF3[;BSWJ3C;&
MN370-:ZI::>L%G8J6Q@G>!7,:5X/U=-8DO=0MQ(K'(0N*=U8#;/BZ_N=/6YM
M=/D3(S^]3%0>'?'-QJ^I-93VK(Z\$A>*K^)](U_58%MK*Q\J-3U$HZ5=\.Z'
M?:/:KOL09\<MO%+2P&]K.K/I5HTY4$#M7':?XLMO$.H_9;C2"Z$_?:/BG>)-
M+\5:RC0K;#RB>/W@JSH_A_5=.T80);K'<8^]N!I :]WX@TC0(O)B$<1'\(XK
M/?QA=F+[3"UM)%_<4_/6>?#^MR2[KVR6[7TW@4V3P''?')TPV;?WA-FF&ANV
M/BZ2X4//:O#'W=EP!3[GQMIZRB"U<3RGNAR!6;-X'F32'M8;DNQ& #67H7AC
M4]%W))HJW.3]_P X"G8#>N?%-]91^=.D/ECG '-:&D^*[74K)KG8T:IUW#%4
MH=$N[B97EM1;H.J%@U4=8TGQ MPHTR)/L_\ $N0,T@+\WCC3VD\JWE3?_M&H
M+KQ=>V4B;H%N%?IY SBLW_A'+BY3;>Z$KL?XEE _E2V/@ 13^?%&UJ0<[3)N
MS0!VNFZ@U]"':"2+(Z.,5>'XURUS-XC@:*&RL0T2\,WF"NCM3,8%-PNV3'(S
M2T$34?G1Q10 ?G1W[T=Z*8!W[T=^]'>CO2 .]'?O1WHXH .]!I.]+WI(  Q0
M?QH[T<4[( Q110:30!1FCBCBE9@&<T4'&**8!1VH-':G8 [4=J.U':@ [=Z!
MTH[4=J0!1V[T=J.U, %+2"@4P#\Z6D%%  /QH[]Z!1WI '>BCO10 =^]%)WI
M>]), [T?6COTH[U0!GTHH[T=Z5@#-%'>@_2BP"TAH-!^E !0:*#3 /SH[=Z*
M.U*P!V[T=J.U':@ [=Z.U':CM18 '2EZTG:CM0 <T<T#I1VH .U H%%&H!B@
M?C0*!0 "C\Z!10 ?G1W[T9YHI '>CO1WHQ0 =Z.]'>COTHL 9HH[T46"X49%
M'>BC4 -%%% !^=&:#0:8 :,T4<4@$8;ACFJ<FG!VW":5?H:NGI1VIV079##
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M,B??'8P*WJ$YJZJJ@PJ@#T%+WZT=^M-@-^?/;%.I?QI/QI(!?RI/RH_&C\:
M"BC\:* %I*/QH_&@!:2BB@!:*3\:/QH 6D[4=J.U !VHH[=:.W6@!:*3M1^-
M "TE'XT4 'Y4?E11^- !2TE% #75C]TXIRY P31^-'XTK %'Y4N:/QI@)W[4
M=^U&>:.] !W[4$9H[]:._6E8  QWH-+24:(>X4?E1THH)#\J#0:/QIC#\J*#
M0?K2L 8H[=J.W6@].M !VH[4=J.U !V[4=NU';K1VZT ';M0.G:CM1VH .U%
M';K1VH !10/K10 ?E1^5 ^M%, _*COVH_&COUI %'>C-%# ._:COVH[]:.]
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MH^0$W'8YI>U1I$L8^7/XFI*8"4=J6CM0 GYT=N]&:.U( [=Z***  ?C0***
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M10 4444 %%%% !1110 4444 %%%% #3UHQ0>M&:R>X"4&BBD 4444 !H-%%
M!VH[444 ':CM11VH .U':CM1VI, S1FCM0,5+&%+129H 6DXHHXI@%'%+24
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MT4 8*OXEV\I8Y_&@/XF[I8_AFMZBBP7,%G\2#[L=E^M"R>)?XH['\,UO446
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MH[444 ':CM0.E% !VH[4=J.U%P#M0.E':CB@ % HH_&@ XHH&**: *.] HI
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M2\TE%  :**6@!**6B@!**6B@!*.U+10 G:CM2T4 )VI>U%% "44M% "44M%
M"44M% "44M% "44M% "4=Z6B@!.]'>EHH 2BEHH 2CO2T4(!*7-%%  :***8
M :,T44 !HS0:* #-&:** "DS2T4 %&:6DQ0 4448H ,TE+1B@ S29I:,4 )1
MWI:2A@%%+24 '>CO12T@$[T4M% !2=Z** "BEHH 2BEHH ,T&B@TP$HHQ2T@
M#M2=J6B@!.U':EHH 3M12T4 )12TE !1110 4"BB@ H[T=Z6@!*6BB@!.<TM
M)WI:0"=Z.]'>EI@)1WH[T4@"BBBF &BBBD &@T44 '.*.U%% !VH[4M)3 .U
M':CM1VI ':CM1VHH *.U+24P"@4M(*0!12TE, H[T44@#O1S110 =Z.]'?O1
M0@#O1SFBEIZ )11WHI: '>BES24: !HI:3- !0:**+@%':BBBZ *.:*6GHP$
M[4=J*7M0 E':CBCM0 4=J**0 **** "@444  HHHH .] ZT44@#O1FCO11<
MYILLGEKNVD_2G48S3 HC5(M^TQR _2KB2"097/XTGDQDY*+GZ4\ #H,47 .<
MT=Z1B!R3BD#JWW6!I .-%'-(65>IQ0 IHIH=&Z,/SIU4 &BD)-)\WI4W =VH
MH[<U'Y\6<%\&C<+$G:BD#HW1LTN*8!S1VI:3M0 4=J**0!VH%%&<4 % HHH
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M:*D=Q:0T44"#M11157%8.U':C%&*0 .E%%%  *.:**+@ I:04=*8!1SF@44
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M0*!1^5" .]'>C\J/RH .]'>COVH[TP#O1WH[]J.] !WH[T446 *.]'?M1^5
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M-%( % HHS3 !0,9H%% !1WHHI@%''>BCOVI 1FWB9LE>?K3U4+P!2]Z._:F
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M9X_X$*Z'MWH[=Z .;DN_$8X6QS[[A3%O/$N>;#_Q\5T_;O1^= '-_:_$6/\
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M"B@ HH'6CO0 =Z.]'>CO2 **.]'>F ?A1WI:3B@ HH[T<4@"BB@U0"T4AHH
M6BD[4=J %I.U':CM2 .U':CM1VH .U+2=J.U !11VH[4 +2<T=J!3 *6DH%
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M!:*3O1WH 6D)Q1WHQS3 K2:A;Q-AV(/TJ2*X2893E?6DDM89#ET!I\<21C"
M 4M0'_A1^%(S!>2:B-S'G[ZCZFBX$WX4M,1PXR"#3B1ZB@!:.:9N7/WA3NM
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M* "BBB@ HHHH *.U':E[4 )VH[4=J.U !VH&,4=J!TI % HHYQ2 *!0,T"F
MM(*.:!F@ HXI:3F@ [T=Z.] ZT@#C-'>CO1WI@'>CO1SFCO3 .]+24<T '>B
MCO12 6BDHIH HHHH *.*** #BCM12]J $[4=J.U':D =J.U':CM0 =J*.U%
M!1113 **** "CO0*.])@%%'>CO0 9YHH[T=Z8!WHH[T<YH .,T4=Z* "CO11
M0 &B@T4 %%%% !VHHHH .U%':B@ [4=J.U':@!:*3M1VH 6DHHH **** "BB
MB@ HHH% !111WH *.]%'>D =Z.]'>CO0 44=Z.], H[T4=Z "B@YHH ****
M"BBB@ HHHH 7M2=J6DH .U':D+KZTTRJ!US1=!9CZ*:LJGO2Y%%T M+2=J*
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MB@ HHHH ::3%*125D]Q!2TE%(8M%)10 M%)10 4444 +124=J %I.U':CM0
M=J*.U':DP"EI.U% "TE%% !11Q10 44"B@ [T4=Z*0!WHH[T=Z #O11WHIH!
M:2BBF 4444 '-+2<4<4 +1244 +244=J0!1VHQ1VH .U%':CM0 M)1VHXQ0
M444=J %HI**8!2TE% !111QFDP#O111Q0 =Z.]'>CC- !WH[T=Z.], I:2B@
M!:*2B@!:*2B@!:*2B@!:*2BD M)12XI@%%)VH[4@%HI.U':F M%)10 M%)10
M M%)10 M%)10 M%)10 =Z6D%'>@ [TM)QFCO2 ,4M)QFCO3 6BDHH *6DHH
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M_2M#Q!KEKJ-JB6,TCMG^%"*W%\112%DGTBY3;W,8Q6<GC/3?M;01Z?AE/\0
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M E!I:* $H-+10 G:CM2T4 )VH[4M%" 3M1VI:3M0P#M11S1]:D XQ1VHHQ0
M"@444 % I:2F 4=Z!1WI  ZT=Z6D[T '>CO1WH[T6 .]'>CO1WI@'>EI*7F@
M!.*#0:.: "BEI.:: #12T4 )VI:** $-%%':E8 SQ1VHH[4 ':CM1VHHL #I
M112T6 0=*!2T4P$% HHH *.]%%( [T=Z** #O1WHH[TP#O1WI:3O2 .]'>BE
MI@)WH[TM% "&@TM%" 0T$T44@"BEI* "CM113 .U':CM29.>E*X"]J.U+10
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M1UG7[6RS"'Q*1@8&:5WLC>*31@7G@_49;HS1R6C@G.)":NQ:)JD<806]@ON
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M&3T.*CTOQ->O*HN+Y /]K KL7URQAL_,>\A+XZ;QS2M<"'1X-1A)%S#!&/\
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M1VI:*0""C-%% !11S0*:8 #1WHQ12 7FD'6CFE%-,!U%%%;+8 HHHI@%%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 T]:#1WH/TK,0E'YT4?A4C#
M\Z/SH_"C\* #\Z*/PHH /SH_.BB@ [4M)^%':@!:3M1VH[4 %':B@5(!S11F
MEHW 3% _&B@?2@ 'XT4#Z4?A3 !^-+2#Z4=^E !W[TM)2=* %[]Z._>@=>E'
M?I0 =Z._>COTH[]* #\Z/SH[]*7%,!**.]!J= "@T?A1^%4 ?G11^%% !^='
MYT?A1^% !^=':BCM0 =J.U';I1VYI ':CMWH^E';I0 ?G1^=%%, H'XT=NE
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M 8 JE>Z39WX_?PJ3V..15W\*/PH&<\?!]D6R9YRO]TGBK#^%M+DC5#;J"O\
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M1WZ4H^E"0"BEHHK= %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 -/6D-*>M(:S8@HHH-2 ?E1^5%!H&'Y4444 %'Y4=J.U "T44G:@ [4=
MJ.U':@ [44=J!TI, HHXH[4@%I/RH% I@%%% H !^%'?M11WH *._:CO1WH
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M@#Z4]8$'-2=J.U/E%SL, #BBE[4G:J)>H8II0&G=J*328)M#53;Z4ZB@4))
MVV'6F&(-3Z*&D]P5UL-5 O2G"BBFDD%VPQGTIAB0]JDI.])I,$VA%4+TI>]'
M?K1WH2L%Q'4,,9I@A4'H#4G?K1WH:0788QTQ1^5'>CO0M $* ]<4TQ+TI_>@
MT-#3:(3;KGJ3]:40H.U2XHI**&Y,9Y:GJ ?K2&%/05(:*?*A<S(Q @.:DP .
M***+) Y-[ABF^6IY(%.H[46%<  !P!1V[4=J.U !VH[=J.U':@ H_*CM1VH
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MT=Z8!^5!HH-( H/X4&B@ _*BBCM3 #THH/2CM2 .U%':CC%( [4=NU':CM3
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M*0@'JH/X44N*9(@ '0#\!11BC%)C$*J3RH/X4N .@H.:*$P X^M&!Z?I113
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MZ0!WH[T=Z.] !11WH[TP"BBCO0 4444(!?K111]*8 :,T?6DS0 &BE^M'TI
M!HH^M&>*8!24N>*.U !24=J.U A:2CM10 44"BD,***!0 44M)0 44"CO0 =
MZ.,T=Z.]( [T<9HH[T %%'>CO3 **.]!H ***#0 4444 %%':CM0 =J.U':C
MM0 =J.U':CM0 =J.U':CM2 .U%':B@ HHH%  ,4"B@4 %%'>CO3 *7-)10 <
M9H[T=Z.<T7 .]%'>CG-%P#O2TA-'-%P"BBB@ HH-% !10:* #M11VH^E( [4
M=J*.U, [4=J.U':D =J*.U&: "@4=J.U "TE% I@%%%% !1Q112 **.]'>F
M4=Z.]'>@ [T=Z.]'>@ HH[T=Z "BCO0: "@XH-!I %'%!H- !1VH[4=J "CM
M1VH[4P#M1VH[4=J0!VHH[4=J #M11VH[4 %% HI@%% HH !10*.]( XS111W
MIV .,T=Z*.]%@#C-'>CO1WI %%'>CO3 **.]'>@ HH-!H **** "B@T=J "B
MCM1VH .U':CM1VH .U':CM1VH **.U':@ HH[4"@ HH% H **** "BBCO0 4
M=Z.]'>@ [T=Z.]'>@!:*,\T<4P"DI<T<4 )12T<4 )12T?6D 4=J#1VIH0E+
M2=J.U(8=J.U':CM0 =J.U':CM0 44=J.U !11VHH ***!0 44"@4 %%'>CO0
M M)WHH[TP#C-'>CO1WJ0#O1WH[T=Z "EQ2=Z,TP"@B@]:#0P#%+2&C/K2N 4
MM(:.U, ..]%!Z4=JE@':CM1VYH[4 ':CM1VH[4P%[4E':CM3 **.U':D 4"@
M4"@ H&*!1Q1< HHH[T %'>B@=:: ?1116R **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH :>M%!ZTGYUFP%HI/SH_.I 6BD_.BA +1113 .
M:*.M'2@!.:6@TG;O0 M%)VH[=Z0!VH%';O1VI %%)S2XI % I.:44 +2444
M'XT=Z*,T %'-&:* #FBCO1W[T '>CO1WH[TP"BCO1WH 6DH[]Z#^-%@"BC\Z
M/SH **/SHI@%+2?G10 8I>@HI.U '"_$&\ADTIX(Y-\O]Q1DURGA:PA^Q9GU
M)K9_[C*17KCZ=9R/O>VC9O4KS3#I.G$Y-E"3_NT6T&F>-ZKIHM-0^U6$DM_,
M#PBQDYKT'P5=ZC<6?^FZ:UMCLPQ73Q6%G"=T5M&A]0M6>U,+G"^-M)TB:V>=
MRJ78'RD'G-<9X3A5KX?;+J1L-P'4BO9)=/L[AMTUO'(?5AFHUTG3U;<MG$".
M^V@+DELL*6Z^2JD8["L;5=2OK:=%@T072D\MQQ70(B(,(NT>U+DT"(+.1Y(%
M:2'R6(Y7THN+VVM!F>94^IJ>LC6+NVMDW7&G2W*CKM3-'D!(/$.DYQ]NA_[Z
MI#XCTE>M]%^=<LOB70))"D?A^9V'7$-7)-4T**-7N=%,*MT,D0% [&[_ ,))
MI'7[?#_WU2CQ%I!_Y?H?^^JIQIX=DM1.+:U"$9' K-?5_#*2-']@C./1!2T"
MQO?\)#I.?^/^'_OJE_X2#2L_\?\ #_WU7+GQ!X?\S8FA2/[K$,5I6$VD7[A%
MT1H\]WBQ1H%C6/B#21UOX!_P(4?\)#I/7[?!C_>%/_L/2B.;"#_OBJ.HV^A:
M9;F2:P@VCL$% 6+?_"0Z3_S_ ,'_ 'T*/^$CT<==1M_^^Q7,IK7A^3E="<Q_
MWQ$,5<2?PW+"9%TN+ ZCRQ0.QL_\)#HY_P"8E;?]_!2C7]([:C;_ /?8K%2?
MPL86D-C;IC^$J,FJG]J:"03%X>ED0?Q)#Q1:XK(Z;^W](_Z"-M_W\% U_2.V
MHVW_ '\%85K=>'+A&8Z4D0'7?&!44.J^#Y)_)%M:J^<<J*!6.C.NZ5_T$;;_
M +^"D&OZ1VU&V_[^"LF\E\-V1C#V,#;^FU11>-X;L85EET^ *W3Y!0,UCK^D
M?]!*V_[^"C_A(='_ .@G:_\ ?P5@Z=>>%=4F,=O8VY<=MHI-0FT#36/FZ 2/
M[RPC%'4#>_X2'1^VIVO_ '\%.&NZ2>FHVQ_[:"N8M-1\-7A/DZ'R.O[H5<L[
MCPS=7!@CL(%D'52@S3V$;G]N:5_T$+;_ +^"C^W=*_Z"-M_W\%4;ZTT*RMO/
MEL(=GL@K+.H>%A;^;]AA(]-HS4W'8Z+^W-*_Z"-M_P!_!2_VYI7?4+;_ +^"
MN934O#AC\S^R-L?]\QC%6A<>%FMC/]GML#M@9I@;G]N:5_T$;;_OX*3^V]*_
MZ"-M_P!_!7+IJWAN7/DZ.90.Z1@UH6JZ%<0F0Z6L*CJ9$ H#0V?[:TO_ *"%
MM_W\%']MZ6.NH6W_ '\%9(7PV02L%NRCJ0!Q5:6Y\,I]RSBF_P!Q0<4M&!O?
MVWI8ZZC;?]_!3AK.F'IJ%N?^V@K#MCX<ND9OL<28_O**GLX/#UVY2*WAR/84
MPL:AUK2UZZA;#_MH*/[:TL_\Q"V_[^"HO^$?TEN391'_ (#44VBZ);H6EMH$
M ]0*!%G^VM,'_,0MO^_@IW]LZ;U^WV__ '\%<V]QX9$IC6T20C^ZH-6$3PT5
MR5@4_P!UL4#L;?\ ;6F#KJ%M_P!_!2C6--;I?VY_[:"LBWL_#MRY$<4#$?2D
M>W\/1W'DF.%6]!B@+&U_:NG_ //[!_WV*0ZMIW>^M_\ OX*Q)H?#T/.8V;^Z
MN":AC?P\[_O(%C'JX %&@CH?[6T[K]NM_P#OL4?VMIQ_Y?K?_OX*QFA\.A=R
MB%E_V<4^.PT.XA,RQQA!U.!0!KC5+ C(O8,?[XH_M6P/2]@_[[%88'AU$.&A
MVCKR*FM=,T6_&ZV",/\ 9Q3N,UO[5T__ )_8/^^Q0-4L#_R^0?\ ?8K(NM/T
M*R.)O+4^AQ5$3>'BV%3CU &*!'3?VG8?\_D'_?8I/[4L#_R^P?\ ?8K*MK#0
M[X?Z.\3GN%(JS_PC6G=H\?A0!=_M2P/2]@_[[%']IV/_ #^0?]]BLB]TO1K!
M-TP5!^ JB'\.MC<P4'HQ(HL,Z4:E9'_E[A_[[%']J6.<?;(/^^Q6!+;^'X8A
M(9TVGIAA5;9H+<JK-GN,4".H_M.Q_P"?R'_OL4?VI8=/MD&?]\5BV^BZ3< %
M-W-6F\+:<1]T_6@#0_M*Q_Y^X?\ OL4?VE8GI>0_]]BLB;0]'M8]T\P11_>(
MK.9?#JGB?*_W@1BA@=1_:5B#@W<.?]\4[^T+/'_'U#_WV*YI+#P],GFB[7 [
M[A5FWTK1[L8AGW_0BD"-S^T+/_GZA_[[%+]OM/\ GYB_[Z%8$FE:)!,(9+L+
M(>BEAFGRZ-I$"[I;S8.N68"@$;GVZT'6YB_[Z%!OK4?\O$7_ 'T*YVWTK1+P
MG[/J/FE>NUP<4VYM-#MCMFO]I]"XH Z3[;:'_EYB_P"^A2_;;7_GXC_[Z%<Q
M%;Z#T-]MW=-SBKB>'=.9?,6[D9?7=Q0!M_;+;_GXC_[Z%!OK4=;B+_OH5SJ6
M6A/,85U,&0=5\P9J2ZTO1K2,/<WWEJ>A=P*!FY]OL\_\?47_ 'T*<+RV/2XC
M_P"^A7/0Z%HUPOF0WI=3SE7!J+['H<,NS^T26'\.\4P.G^UV_P#SWC_[Z%)]
MKMSTGC_[Z%<K+_PCX?;)JNP^AD%/6UT39O\ [1<1_P![>,5('4?:K<<^?'_W
MU2?:[?\ Y[Q_]]"N4^SZ'(V%U1V'J)!BIUT[2 F[^T)-H[[^*+@=+]JM_P#G
MO'_WU1]I@QGSTQ_O5RC6^@DX&K,?I(*F2RT<1Y_M)]G<EQ3$=+]JMSTGC_[Z
MH^U6_P#SWC_[ZKDS;: Q^75VQWVR"IX=,T:X.(=69SZ"04#.E^TP'I,G_?5+
M]I@/29/SK$_X1:V(RMW<8]FIDOANSA7=)?7" =27H$;WVB'_ )[)^='VB'_G
MLGYUR?V70V8J-9D)'7$@IZ6.B2G:FM,6'82C-- =3]HA/29/SH^T0=/.3\ZY
MR'1]+D8B+5I&;OB04QM(TH2;?[6EW^@D% '3^?$>DJ?G1Y\/_/5,_6L%?#%M
M(FY+^Z(/</2#PC &W?VA>?B](#?\Z+'^M7\Z/.B_YZK^=<Y+I6EQGRI-7D1_
M0RC-#:#8)#YC:M.(_P"]YG%%F!T?GQ=/-3\Z7S8_^>B_G7*QZ3I,S;8]<D=C
MV$PS4C:#812!7U>X#'H#)UHL,Z;S%_OK^='FH.KK^=8@\-1,N1?W>/7?3&\.
M6\*[Y=2NE4=V>@1O&5!_&OYT"1/[Z_G7*R6NC'@ZZXQZ2BDAL=(.2FO3-_VU
MHL,ZLRH.KK^= EC_ .>B_G7-PZ-I]V2(=8GD/^S+FE?PW:1?ZS5;I?\ >DHL
M(Z/>G]\?G1YB=W7\ZYE/#MF3E=9NB/\ KJ*@GTO2%;;)X@F1AV\ZBP'6AT_O
MC\Z7<O=A^=<I!HFG3C$.O7+X]):=_85B6*?VY<EAU'FBAH#J0R]F%&X?WA7(
M/IVDPOL?Q%.K>AF%21:3ILK8CU^X<^@F%%@L=7YB?WQ^=-\U/^>B_G7,G0;"
M63RAK=SO_NB7FB7PG;11EY=7O44=29*+#.G$B'HX_.C>O]\?G7$C3-%1O^1G
MGX[>>*MPZ-IMSQ#KUR_^[+18#J_,0]''YTNY?[PKFO\ A#HSR-5O_P )*<?"
MD2+\VK7H'O)1J(Z/<O\ >%&X=F%<>VBZ9"QW^(KD'T,U/BT'3[CF+Q!=,!UV
MS46&==N!Z,*,CU%<G_8%E(VU-?N]P[+-4C^'+:W4-+K=XH/=I:0CJ,CU%)N!
MZ,*YK_A&X)(]ZZU>%?42U!%H6GR2F./Q!=-(.JB89H&=9E?[PI<CU%<E<:%8
M6O,_B"ZB_P!Z;%0"PT<\CQ/.?^VXIV8':9]Q1GW%<M#X=M;A=T.N7CCU67-1
MOH-B)O+;Q#=K)_=\X9I6 ZW/N*,^XKEW\-6\<>]]<O57^\9:BC\/6<_^J\07
M;_[LP-#0'6Y]Z,^XKE'T"SMCB77KM3Z--4$FG:4O#^);A?K.*+ =ED>HH!]Z
MXR/2-,E/[OQ+=/\ 2>K+:+96RYDUZZ4'NTU 6.J_&C\:Y%=*TZ4X3Q'<DGL)
MJ)O#]K",R>(;M >[34]0L==^-%<6FDZ8#_R,]T3_ -=ZUM,TB""3S(M6N+G/
M9I,BAH1O4M(.!CFCOWH 7\:*3O1W[T +12=^]'?O0 M%)^=% "T4E'YT +2&
M@_C1^=( HH-!_&BX!1VHHI %+VI.W>CM3 .U':CMWH[=Z #M11VH[4 %%'YT
M=N], I:3\Z!^-(!:*3\Z!^-, HHH_.BP"TE'YT=Z "CO1^='?O2 .]+2=^]'
M>F 4M)^=&*& M%)W[T4 +12&B@!:*0_C0?QI7 ****$P"B@].]':B[ **.U'
M:B[ *.U':CM0 444=J "BCMWHH **!1^= !2TGYT4P%HI.]'YT +12=Z._>@
M!:*3OWH[]Z %HHI.],!:*,4=Z #FBD_.EI '-!H-%,!.:6@_C1VI@%%)1^=2
M M%)VH[=Z %HI.U':@!:*3MWH_.@!:*3\Z* "BC\Z/SH 6BD_.@4 +24?G10
M 44=Z._>@ [TM)W[T=Z #O1SGK1W[T=^](!:*3OWHI@%!HH-( HHH_.BP"TE
M!_&CM3 *6D[=Z.W>D M)1V[T=J0P[4=J.U';O3$':BCM1V[T ':BCMWH[=Z
M 4M(/QH'XT %% H_.@!:2BCOWH .]+2=Z.:: <*6D%+6R **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH :>M)2FDS6;W$'X4?A114C#\*/P
MHHH 6C%)2TP#%&**/I0 E':E^M%%@$[4=NE+V[4G:@ [=*.W2C% Z=JD H'3
MI0*7M20!29H% _"F 44?E1^5# !]**!^%% !0.M'?M1W[4 '>C'-'?M1W[4
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M[6#J,HM3J#HWIO\ GK.U*34[?4_(BU2YV9[R&C<9Z<.E86NZ=J%U PMI@?\
M9*BL6ZEO;'0_M"WLK2XZL]/TG[=JNG>=+?RHV/X'HMW$8[^'=49"CZ,SR'_E
MJ)L?I5ZP\,:O%:L';83T3K61+J&J1:ZMD-4E,9;'^L.:UM4N[W2F0)?S.",G
M>]-[#0]/!=PZ-,QVW ^[2-:^(XK=K5].^T*> X<+BM*TU:XET62?S<N <$FL
M73+W4]4G97O709Q\KFAVZ@,M/"6LG<QS;Y_A)W9J_8>#FD#B_@!?^%ZS?$$N
MIZ3<PQQ:G,0YYWR&MY$O;33EG^VRR,RY.Y\TI:"N<[J'@?5X+H26DAF4'(4]
MJT3X3U/58D2_?R@OXU4C\87T4S0ELDG +'I6K8V^IZDK32:FRCJ!'(:>XRG<
M^![FQ1&TYMT@/)'%;$NFZA<Z4D$D7[T#DDUC2:]J.CSO'-<+.HX'S9-9EKXK
M\0F_:1$$L!/W0"<"D&ITVB:%?VDS^<H"D8%4I_#FHV&I27MI!]H+'.W.*BO_
M !KNCC2.81W!.&0G&*[#2KII],2:5LL5R31Y".5OE\0ZK:?9)-'\E3QO\P&L
M\^";\V?E.F[/;.*V;KQ/<OK!L+=0#G&XUEWFM:DE_P#97ED_[9'FEL O_" N
M--VH&6;^[NIIT#5XM-:T73@Y(QNW"HH=>U2UO@K&X$?]ZXSBMJ[\8HMBPBFB
M-QCC!XS3'J<WIOA>_M RW.AM*2>HGQ6Q)IEW#ILB1:4T((Z>;NK/TGQMJ37H
MBOG@V$]5/:K>N^(-66\C.F/'*AZJ#FAJ^H:CM%WPV$MNT929CPI&:JR:+J/S
M&?2#<9^Z1)MK0A\6LEH1J$4<%SCC(Q5)/$VHRDNLT;(.R&EK<!-.T77+?>_D
M_9(NZDALU+#I\NH7BF$LC(?F.,9JNWC^X9_LZ6S[CQN=>*U8+O5$MVF$]NQ8
M9"J>:&FM0.RM8VBMD1CD@<U5U.UFN82L1'TQUK@TU76WE=I3<*%Z%<[:W/#_
M (@O;VY\FXEMRH[*?FH;%8RYM&FMIV?^Q#(Q_P"6@EQ^E0?V%X@N&)6(1Q'H
MO!KTG@C-<[XDU6\L81]C"NW<#K2V"YA:1X*=+EI+V!LGN'J*\\%2_P!IF6W@
M81^N^J[>(=6B19&\Z-CU\S(6M^PO[_5+'B[A63'\+<TVVAZF1;Z'K&FWXG2U
M\Z,=B15_5'U?5[;[,NDB'/&_<*RSJ&O_ -K_ & 7:;<_>W'-:ESKU]IJ?9@Z
M//\ WGIWLM ZE*'P7?0V)8R%INH2B!M;M+1[-M)+[N =]:5HOB*_C$ZW$*Y[
M!CBH;GQ5=:')Y6H(LC>J#--7N+4SD\,:E+:22/;^7(>0F<YJUH5QJ^C@PR:2
M2,_>WU;M]7U77"&L7ABB[[S@U:=M>L2,S6C)WWDYI 9NK6FIZE*)TL<8[;JC
MM[K5H86M_P"Q0V1C=N%.O?&L]A*%E$3>NRI;?Q1?:PN=/2.+'7SAC-&KU F\
M-Z%>0SO-=0^5N.0 :[$+A<>E>>ZCXBUNWD6-!'D\$C-#>)=7L=A?8P;KOIH+
M&QXQL;J\MU%M 92#R,XKFYM&N);&.+^SBT@QGYJN:EXOU 0*83"K'KFHO^$E
MU&"V287-N[MU7=2"[*UWH.K_ &)%%IE1_#GI3;2RN(U59+1@1VS6T_C*\BM$
M:2U 9OXBORU;AD\1WMN+J%K01D9 .<T>0[FEI%PP1(S;;<#K6X>1]17!_P#"
M7W]I.8+B.(LO!*BH&^(@@NML\>4]%%"%8TM<\.WDEP;NWS.>OE$XK,N+^_CL
M?LITL12]/6M:UU[4M3/G6GD+;D9P_P!ZL.Z\6:PFL?8]MN%SC=BB]P(+;2=?
MU")E V(>VT5<M#J/AL['LC-GJ0:T8=8U)77?)$0>P-9FJ>+=4BU&.WC-LJ-U
M9Z-V/4;<)J6K7B7T6G%=G8M3;WP]KFN2*2QME'!'6I7\3ZM;W4:+-:3!NJQG
M)J]/XKU=  M@PR.I2BPC*?PQK.A!7LY/M&?O #%-DL-4U>5/,L_LS*?O$YJ^
MGB;6%D&][9%/:2NKTF_>^0%S$3WV4=0;9QNJ>&]658I/,^TJG50H%.635+B)
M8+2W:WQPQSFO09G\N%F"Y('2N'U3Q9JEO.4M[(  ]62A@9TW@746(NTNOWO4
M@+1>_P!H7=NFGSZ:TFS@ONJ];^*-;RK3-9;3_",YK3U;Q5_9NFK<8B:0CH!0
M!C'PO?V5@LNEADE(Y7--T'2]2341)>V?S=W)J30/'MUJ=R\=PL$:?P]JO/XD
MU>VO2TT$)L\\,HYQ2>C#4JZQI=P^H[X[(,/[U6]2L9W\.^6(!YF.@%7[OQ/$
M=/\ .L]CRX^X>M9%KXMU-VS<P1*GICFFVPL8&GP7-M#LD9HN?^>>:W/->32Y
M(5S,Q''R8JO=>.[VVNL"R26'_93+5K6_C.&YT]Y?+6"8#A)1C-*2T Y&TM;F
MU+>:S09/_//=6T?](TN2,$SL1Q\FVK=IXV,R-'-%'Y^?E 7@T^35/$3(98_[
M/B3L).*=KC,SP_J"Z-$\=Q8DL3P"N:DO;>[\07<<EI9F%5/..*U;3Q)<"V9K
ML6TLHZ"$9JC+XOU5V/V>UC@ [S+B@1VMC#)!:1QR'+ <U7U>.1K5_+CW'%8&
MD^)KZXDVW<EH<G_ED:ZSS5%OYK$;<9-%N@(\RM'F2:99Y##GH/*S2Z+ITZZJ
M\L=N9U8\DC%:/B/QQ)I\X33XH)<'YMPS6KHGBZ+4[4_*BW 7) '%'30#*\3Z
M'*D"364#13,?FVFMGPSHD-O:)/-%FX(^8L:Q(?'UVFLR6M[:8@4X#JM:][XL
M1(/,M'B)_NMUH>@CJL # &*R=>OI[*Q9K6,O)CH*Y&/QOJMU-Y-M%!YG^T.*
MOSZWXCL;;[3>0VC1>B YH'8Y]_"^KZ\YO7+1,3G%,NFU:RMO[->!YEZ9KT'1
M-975+02E0C8^[TK*N_$TL&K?91%&5SU(I] N<YI7@LR1"\C#17/4#)ZU#+#K
M$6O0QWD32J" &%>DP7:FV\Z3"C&>*P;[Q.YNA;V$2/(3@,PXI =+:+MMTXQQ
M6=XDA>?2)5C!+$' %9$NK^(K!/.O8;8P#D^6#G%7+;Q99W=@]PORE.H:BW0#
MSO1+:ZL;B3[1<-;@GC,6ZNFCN!]DE47GGEAP/(VU!+\1A]L6&.V1E)P3MZ5T
M%WXC6.R6>VCBE8C)51FAH=SE/#-ZNCWTKWD$D:L>#@FN@U:_AU55-J7;_@)%
M1:3XU2],BWELMNR]/,7&:N6OB5IYBJQQE<\%128O,Y>?0]3N\>0K@#D\U>M[
MFWT^#R)XVAG P7*;LUWT4H:W\T@#C-<7KGCI-.N?)AMUE;.#\N:8&/:S7T]Y
M(;:!I%/\6-M%K97)OY&DA=6.<]:[33_$-O=:<LZHIE*Y*(.16!/XQOC>-#%%
M;P@'K,,4== .?:)X-9+-,T7/4Q[J/*G;5O.B#W/N%*UU5GXKF>7RY[>.9O6%
M<BH+OQC<)=^3#!##[S+BG<=C'M+D66LB>\MY(@.^":Z?6-;M+_29$MB[L5P/
MD(JM%XN:,YO$@=?[T8R*0^*KV\G$>G6*E3T9TXH$<?ID$D+OYMTUMD]X=U=E
MHEU"DBH;\SD_],-M+-J^NV#A[VSMVAZEHTZ4X>.=.E'EV\6;CL,#K2: [!3\
MH/M7,^(+"_N-S0 E,= :@_M?Q&R&9+2'RASMVG<:?#XIN#&?M-D\3#^\N*8:
MF!INH0Z5YJ7EJT3GHQ4M59[V^NYF6SA:=6/]W9BNQL]?BNHI'>-/D[8K#/Q"
MA2^^SBT*C.-VVE890ABDTF59K^!QDYXR<5)XBU.UUBTCBLTDD=3R-I%=9<:C
M<3V8GL1;OQDAQFN8/C#4Q<>4MI;[@<9V4*X%3SM2ETR.TM+9U<#!YJJWAS5M
M.07D,3"8\MS772:[>V=JEQ<Q0!6_NBFS^-;:.W5E3>[=@*2 XG4;FXU6%;:2
M"19AU.#6I;^'=8_L,""X#<?ZLQC/YUNC5=?GC$]O9VWE'D93FGQ>+WB;R+R
M1S#K@8%5JD&YSMM='2;;R_L\AONF!G%5IO#>KZP?MWV=EEZ_>Q6XGQ B_M;[
M+-:$1Y_UNSC\ZV7\50[OW(5T_P!FDM U.)N[^]MK#^S+NUD9NF1FC1O"\\L1
MOK0R1S+R$)/-=/<^+WW;8[94/]^5>*BMO&%R;A8V6W<$_P#+(4= U.7W:Q)X
M@A34;1P P .<BND\0VD?DIBWR=O85V5I<+=1AS%M/N*R==\2VNCQMN7?(!PN
M*E,#+\/V1_LJ58[?:Y'&16!%&VF:B[:U:N\9;Y3DG%=3H?C"WU.)FD40L#P&
M&*J:WXT_LNXC0V;3(Q^\J9 JK] *&IW^E7J(EC;NTG;"D8K!O].U07$7VA7"
M,?E[XKO8_$MG+;+);QH6(R5 &16=<>,9UE$:6@8D\?+0"*-SX>U@:>CV<P?C
ME=@'%2>$[:"WOR)DD%S_ !$YQ6DVNZW'$)?L2-&1G"J<XJYH_BFUU*?[.8C'
M<#[P(Q2 Z+CJ**7/%(*"0[]*6D[]J._:@ []*._2EXI*8!11WI: $HH_*BF
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M H_"C\J/RI@ H_"@48S0@$I:*/RI6 !1^%'%%- .%+2"EK5; %%%%, HHHH
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M-O&CQ1L>K"4$UO/!;W<&ZZMT88^ZPS7*:7X:OK*?>+.S3W5W/\S78PJRQ!9
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M&:S>X"44M!I )12T&BP"4M)12 ***7M3 2BEH[4 &11VH[4G:@ [44=J.U2
M4=J.:.<4@#(HH% H .***!3 **!128 .M%&*6@8G>CC-'>CG- @[T=Z.<T<Y
MH **#157 .]%'>BD &BBBC0 HH-!H .,44=J* #M1VH[4=J #M11VH[4 +12
M=J!3 6DI><4E "TE%% !1110 44HI*8!11WHI %+Q2=Z.] !WI>*3O1WH **
M.]%,044=Z* %H-)2TAB4M%-8$]#BF M%(!@=:6D M)11VH .U':CM1VH .U+
MVI.U':@ I:2B@!:2BB@ XHHHH 7BDHHH 7BBDHH 7-)WH[T=Z #O1WH[T=Z
M#O2TG>B@!<TE'>BF 4M)10 II*** "BBBD 4M)2T %':BCFF@#M1]*.<4<T
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M10@%HX[T&C-, H^M!H[4P#BBDYHI +Q1VI*.U !VH[4=J.U( HH[44 %%%%
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M?6@T"%HI#12&+12=J.U "T4G:CM0 M%)VH[4 +12=J.U "T4G:CM0 M%)0*
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M]Z*.,4F* %Q11Q28H 7'O11Q28_"@!:*.** "EIO>E%"W 3'.<FGTF!FEK1
M%%%%, HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** $.*3-!-)6;$+
MQ11FBD,**.!10 E+2=*6@!*6BBD 4G:EH[4P"BD[4=NM( [4"CM12 *,4"EI
M#$H'X44"@0?E1113 !10/K1GF@ YHH_&CO2U .]'>C(I:+A83OVH[]J*.],
M-%%% !W[44=^M!^M  ?PHH/UHS1?4 -&*/QHH /RHH[=:.W6@ _*CM1VZT4
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MH ?1110 $9I ,=*6@4- %% ^M H **,44 '6CI1118 [T4=Z*6H!11WH[]:
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M0!@% I]%'( SG-&/6GT4<@#**?13Y& SO13Z*7(P&44^BCD 9W[T=^]/HHY
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M?G1S3Z*?( SMWHYI]%'( SM13Z*.4!GYT<T^BCD 9^=%/HHY &?G1S3Z*7(
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(% !1110!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>ny20005581x1_ex99-3img1.jpg
<TEXT>
begin 644 ny20005581x1_ex99-3img1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 0<!W # 2(  A$! Q$!_\0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ I*6DH *,TTFC-(=AU+3:=1< HHHIB"BBB@ H
MHHH *0TM(: (S30*D(I,4  IXI!3J "DI:2@!II*=28IE"BEHI:&)A1112$%
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !333J:: (R*
M*<10!0 X4ZFBG4 %)2TE #324ZBF4 I:*#02)FC-(:2G8!]+313J0!1112 *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *0TM(:!H8:0&E
M-(*10X4ZFBG5)+%HHHJD(****8!1110 4444 -Q1BG4E !2T44 %%%% "44M
M)0 4M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %)2T4 -Q1BEHH *6BB@ I*6B@!**** "D-+3330#30#2&@50#Q3A313A4
ML!:***0!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !24M)
M0,8:*<128I#N*.M+12TK"844450@HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "D-+330 A--)H)I,T %*!24X"JN HIPI!3
MJ3 ****0!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%)10 M%%
M% "44M% "4M%% !1244 +1110 444E "T444 %%%% !1110 4444 %%%% !1
M24F: '44E+0 4444 %%%% !1110 4444 %%%% !1110 44E)FF ZBDI:0!11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M44E "T4E% "T4E+0 4444 %%%% !333J:: (S313C24 .%/%,%.%%P'4M)2T
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444AH 2BBBD2+2T@
MI:904444 %%%)0 444E,D6EI**0PHHI*8A:6DI:104444 %%%% !1110 4AI
M:0T -)I,T&F9YH D!IPI@IXH 6BBDS0 M%%% !1110 4444 %%%% !112&@!
M#3:4TTFJ0#A3A3!3A28#J***0!1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MD HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%)10
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M%%% !1124 +124M !1110 4444 %)F@TPF@!V:7-1;J<#0!)12"EH ***2@
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M.G3[M.ID?W:?4C"BBD- #&-1,U2/59C28$JM4RFJJFK"&A 2T4@I:8!1110
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M2O6M"^XM>0^&S\R5Z[H/W%J6!U4?W:?3(_NT^I&%(:6D- $3U685:85 RU+
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MM3&%/'2@U0$.WFGJ*6E%,=Q>U1L:D/2H7-(0PMS2J:C)YIZ4 3"G@4U:D%
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M+FD- #":!2&@4 2BD- Z4&@!AIN:4TV@"S4+U-4+T 5GZTB]:5^M(O6@"?\
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M5:F1<3HU^[2$4Y/NT8J"QN*<*,4M(3%I:** 0A-,)I6-1%J8R0&GBH%-3*:
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M4@%/-% 6%%/IHIV:0PIII<T9I@1D4PBI332*!6("M-Q4Y6FE: L-6I0:CZ4
MTB;DP-.%1J:E% T+2TE+04@HHHH&)1124Q"TE)12%<=13<TN: N!I*6DIB:
M4ZDS2YH&D%%&:3- Q:0T9I,T"(W%0D5.:8130AJBIE%- J0"AL=AC"H66K!%
M,*U)0Q14RTT+4@H =1110 4444 %%%)0 QJA85.:C(H C45,HIH%/% #J:32
MDU&6H =FG"H@:D% F.HI:*8K!111F@:"FFG9IN:!B4E+D4F:8F%--&ZC-(D0
M5(M,%2"@$.%+2"EI%B&F$T\U&QIB89IPJ+/-/4T$HD'2EI!2TBQ#333Z:::
M9BE%&*6F(=2TE%( -,-/S332&1-4#'%6&Z54E;%,AC2] DJL\E,\VJ,S062I
MD?-9JR\U:BDS4FB9>!XJ*04Y&XI6H+*C+S3E6I"*4"G<!5&*1CBG]J@D; H
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M[U4Y-5/]ZN?>[..M4Y+L^M(:.G_M0Y^]2C4C_>KE1='/6I1<GUIV&=*=3/\
M>IT>J'=]ZN7:Y/K21W1W]:8'INDWY9EYKOM)EW!>:\CT*<EEYKU+0FRJT =E
M!T%74Z52M_NBKJ=* 'U'(V!3F-5IGP* ,S4)MH/-<CJ-]M)YK<U:? ;FO/\
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M'BM.JTR9!I".1U"VR#Q7%ZQ:X#<5Z5=V^0>*Y#6[7"MQ3(:/']:BVEJX^?\
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M;K[A^E4,\^\2+E7KR#7H_G:O9/$*Y5J\IUR'+-5(#B6C^:EV\5<DAPW2HF3
MID,HRU6!^:K<XQFJ).'H&CIM'DPRUZ/HLW"UYAI+X9:] T:7[M2P9Z1ITN0.
M:Z* Y2N0TN3(6NKM3E!2!&-K@^1J\KU_[S5ZKKGW&KRGQ!]YZI SA+S[QK(G
M[UK7GWC61/WJA(I/UJ-?O4]^M1K]ZH99TVBC++7J&@1@A:\OT/[RUZKX?Z)4
M@=[I\(VK716L>,5B:>/E6N@M1P* +R+Q4@%"#BG4F TBHV%2TPBD@& 5(M-
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M<CGFBXON.M8-[>]>:E@4=5N 0W-<'J\F2U=%J5WG/-<;J<^2>:0F85RWSFH
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MTC1'1Z)]Y:]4\/\ 1:\LT3[RUZGX?^ZM2S1'HFG?=6NBM>@KG=.^ZM=%:]J
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M RQGBHWI0W%(>:9! RU$RU:*TWRZ!E39S2A#5KRJ<(:!E95-2#(JQY--:/%
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MEFZ/8/#?W4KT"U^X/I7 >&_NI7H%M]P?2LV,GHHHJ!BT4452$%%%%, HHHH
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M1YQ5BX7!JFV:!W)-].$E52QIOF&@1=,O%0229JN9:C:2@!TC9J$\T%LTH&:
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M%652DP,[[&/2C[(/2M/91L%(#*-I[4GV3VK4V"D\N@#-%I[4\6GM6@$IP04
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MZ/\ PUW&E_PU# ZNS^Z*T%JA9_=%:"U!20X4M)2TS40TQJ>:8: (Z<M(:5:
M)!3J:*=0 U^E4+@]:O/TK.N3UIHEF-J#_(WTKS?Q&WRO7H.HO\C5YSXB;AZL
MD\JUP_.U8"_?K=UL_.U8"_>J1LOQGBDD/%-C/%)(>*M&?4C3[XKNO#/WTKA(
M_OBN[\,_?2@H]I\-?=2N[M_NBN&\-?<2N[@^Z*EA8=+]PUPWB3[CUW,WW*X?
MQ']QZ1?0\7\2#YGKAI1\YKO/$@^9ZX6<?.:M&;&+4ZU7!J5#0RD7(1\U=AH
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MAP?,E>LZ']Q:\G\.CYEKUC0_N+04CHP?EJ)CS4G\-0MUI%#AS4@%1IUJ=!0
MH%13CY#5@"HK@?(:!6//O$P^1Z\5\2+\[U[?XD3*O7C7B.$EGXIB9Y])PU.6
M3%27,1#&J;$BD-%U9<U(IS5&-CFKT7-4AEF,5?MOO"J2#%6X&PPJ@.UT$_,M
M>JZ ?E6O)-"D^9:]4T"0;5J6!WMN?D%353MI!L%6@<TB6.I:2EH!"&HS4AJ,
MTBA!3Q3!3Q0 ZF&GTPT#0VI!3*>*0V.%+2"BF2+3:6BD%QIII-*QQ4#N!2*1
M+NIP-51*,U*KYIC8RY^Y7-:CT-=)<'*5S>H_Q5I$@XW5NAKS_61]ZO0-6Z&N
M!UC^*M&2SA=07YS63(.:VK_[YK(DZU A]H/W@KM=%'*UQEI_K!7:Z+U6@3/0
M]&'"UW&F?PUQ.C]%KM]-[5+)1U5G]T5>'2J-I]T5=[5)L@-,:E)II- #30*2
MG"@!PIPI!3J  44M)0)D,OW36%J!X-;LWW37/:DV :9+.5U1^&K@-:;(:NUU
M67AJX/5Y =U-"9PFJ_>:L,]:W=3Y9JQ''-:(A@IIXJ(5*G-#!%FV7+BO0/#2
M_,E<-:)EQ7?^'$^9*S9HCU_PX/D2NVA^[7%^'A\J5VD/W12*"?[IKA_$7W7K
MN)_NFN'\1?=>@1XYXC/S/7 W7WS7?>(_O/7 W7WC5H91;K3X^M-:GQ]:9#-*
MT/S"NV\/GYDKB+7[PKMO#_WEI,$>O>'?NI7>6WW!7!>'?NK7>VWW!4,M%BBB
MBD,****0!1113 **** $/2LS4/NFM,]*R]0^X:$!Q6K_ ,5<%J_\5=YJY^]7
M ZN>6K1&;.&U7J:Y>?\ UAKI]5ZM7,3??-, C'-7[<<U1C%:%O0!LVG45T^E
M'YA7+VO45TVE?>%,AGH6B]%KHYQ_HM<[HG1:Z:1<VWX4F4CSCQ*GWJ\NU6/]
MZ:]=\10D[J\QU:W/F'BH91RKK@U"QJ]/&5S5"3@T@(S5NR_UHJI5RS_U@I$'
M=Z"V"M>E:/)\JUY?HLF"M>@:3<#"\T(I,[NTDZ5M6[<5S%C-G%=%:MD"F,T%
MJ4+4<=6%%(: "G4M% F%&*6EH*0W%)BGT8H&,Q2XIV** &XHQ3J2F E%+24$
ML*2D+8J,R 4 B3-&:A\X4GG#UH&6!3)?NTQ90:)&RM CDM=/RM7E6OGYFKU3
M7ONM7E&OGYFJD2<+?-\QK$N&Y-:]\>36)<'K0QHINU,4_-2/UI$^]4%'3:+]
MY:]2T \+7EFB_>6O4= Z+0,]%TT_*M=-9]!7,:;]U:Z:SZ"@9K)TI],3I3Z!
M"&DQ3J2@!N*3%/Q24Q,;2GI1BE/2@2,G4ON&N UO^*N^U+[AK@=;'+4T#//]
M5^\U<AJ'4UU^JCYFKD;\<FK).=G'S&H.]69_O&JQZTT(L0?>K;LAR*P[?[U;
MUCVJF!UFCCYEKTO01PM>;Z./F6O2="'"UFRD=M#_ *BLK4&X-:D7^H%9.H@X
M-04<AJLF :X35Y\%N:[;5P<-7GNM,1NH$C*2Y_TCK7;>'[GE>:\U$I%Q79:!
M<X*\TAGLFD3Y0<UTEO)D"N#T>\&Q>:ZRSN00.:8CH8SD5+5."0$5:#4BAU%%
M%,3$I:2B@D6EI**18M-(IU)0!$RU \>:MD4TK0!CW4&5/%<?K%MD-Q7?SQ@J
M:Y;58 0W% CRC5[3EN*X^]@VD\5Z7J]M][BN(U.#&[BFA'&70VYK,E-:U^N"
M:QI3S5%#8S\]=?H)^9:X^+[]==H7WEJ1,]6T%N%KO;!OE6O/M!/"UWNGGA:"
M3IK4]*T5Z5F6G:M)>E(M"T4E%(FXIZ55G'!JU5>4<4RC%O$X-<+X@3Y7KT*Z
M3Y37"^(4^5Z /&_$(PS5Q4GW_P :[CQ&OS/7$2#]X?K0!/;GD5U.CR[2M<O
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MI5ZWX(IB.TT6XV%>:]"TC4< #->3V-QLQS75Z9J&&49J6,]=L+S?CFNDM7W
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MM-U#..::*/4[*]R!S6];3[L<UY_IM[G'-=787&<<TP.JA;(J6J=J^5JYGBD
MTBFT\U&U4 9IP-0YYIZFD!.*6FK3JD!C=*IS"KK=*IS=* ,6^'R-]*\\\1?=
M>O1;\_(WTKSGQ&?E>@9Y/KQ^9JY&8_-75:^WS-7)2GYJ!"P_?%=MX>'SK7%0
M#YQ7=>'4^9*JP'J_AY/E6N\LD^45Q?AY/E2N\M$^45(&E .E7!5:$=*LCI0
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M:PKZ[ 5N:6\O< \US.H:APW-(HR==N\AN:\WU2X)D/-=5J]YN#<UQ-ZV^0T
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M-[G;S7=:5<Y"\TT!U0Y6HG3-)%("HJ0L#0!&L=68UQ48Q4JFD!.*6H]](7H
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M%B:IOFKC1,>U1F!O2F@*?.:E4D5+]G;TIP@;TIB&;C32QJ?R&]*3R&]*5QA
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MR#3R2.*Z"'2\_P -:EOI/3Y::!F9I6GD..*]$T.TVA>*S-/TO:1\M=AIEIL
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M>/X:NPZ=CM0!F6EEC'%;MI;8QQ4\%ECM6C#;X[4 /MH<8XK5A3 JO#'BKB#
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MD6@">.K*U!&*G%,D=1110 &DI:2@04M)10.XZBDHI%!2&@TTF@!#4;5)32*
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M0!1110 4444 )12T4 )2T44 ---Q3Z3%,!F*,4_%(10 RBE--IH!#2;:?BE
MI,!H6G8IV*,4@&TTTXTR@!#2;:>!3@M AJBI12 4Z@8444E,EBT4E+0-!12T
ME(!III-.-,-4@&FFXI]. H8# M2J* M.J0"DI:2F)C332*>:3%,D0"G"C%+2
M*0AIA-/-1&@&&:44T4\4"N*!3Q2"G"@I"&HR*EII%(9&%IZBEQ3@* %HHHH
M0TTBGTE $9%-*U+BDQ0!#MI:>1330 H-.%1BGBDP'THI!2YI(!:0]*3-(6XJ
M@*MV?EKEM3;K72WC_(:Y+5).M7$#D=7DX-<!K+9W5VNK2=:X75FSNK5$LXZ^
M'SFJ..:T+S[YJECFAD$UJ/G%=5I?5:YBV'SBNGTSJ*AC.XTCJM=[I'\->?Z2
MW*UWFD-]VI921W%C]P5H=JR[!_D%: ?BH*'THJ/=3P: 'BEI!2T %%%% !24
MM% "&F&GFF-0*PTFE!III10%B04M(*6@&(:813Z3%,DA*TH6I,4H6@I HIU
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MIN* $ J04T"GB@ I:** $I*6BF2Q*6BEH&@HHHI#&&F&I#3:I (!3A24\4,
MI:**D!*2EHIB8E%+BB@FP@I:**"D--1-4QJ,B@&, J04T"I *";"BEHHH*0M
M)2T4AB4M%% !1110 4444 %)2T4 --,(J0TPB@!G>G"C%.%)@%(32FHG:D@%
M9\5 \V!3)9,51FGP.M4 E[/\IYKD]4GZ\UKWMS\IYKE=2N,YYJD!SFJR]:XO
M4VSFNGU*7.:Y'47SFM+DLYR[^_53O5FY/S56[T-DV+-O]X5T>G-TKFX#\PK?
ML&Z5-RDCM=+DP17;:5/C;S7GNG2X(KKM.N<8YJ6RCT2RNOE'-: NN.M<E:7F
M%'-7EO>.M2!T2W.3UJQ'+FN;CO,GK6G;3[L<T ;:'-256@;(JS0 4E+330 9
MI:9FE!H =36IU-- $9I12D4H% #A2T"B@!**6BF2&*,44M(H**** "BBB@ H
MHHH 2BEHH **** "DI:* &T4M%,D*6DI:0T%%%% Q,48I:* $Q1BEHH *2EH
MH 2DI:*9-@HHHH&--)3C28ID- *=2"EI,J)&U-[U(:;BD4 J04T"G"@ Q12T
M4 %(:6D- $#BH2.:LL*BV\T ""IATIBBI!TH B>H2.:L,*C*\T -45.M1J*F
M6F)BT8I:* 0PBFD5(:;30Q!3Q313Q0P%HHHJ0"BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "DI:*3 2EHHI( HHHJ@"BBB@ HHHH ****
M"BBB@!*,4M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 )12T4
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MKGKRZSGF@#/U";.:Y>_?.:U[V?.>:Y^\DSFG<#(N#\U5^]2S'YJ@SS1<5BS
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MTM% #"*;MJ2DQ0 T"GT8I: &$4W;4F*3% # *>!2XI: $I:** $IN*?24P$
MI112T %%%%( HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !32:4U&S4
M1R\BLZXCSFK[M59QF@#$N+8'/%9-Q9@YXKIY8LU1E@SGB@#EGL1GI3!8#TKH
M6MN>E-%M[4 87V >E)]@'I6_]F]J/LWM0!@?81Z4?8!Z5O?9O:C[-[4 8/V
M>E'V >E;_P!F]J/LWM0!@BP&>E6$L!Z5KBVYZ5,EM[4 9 L!CI44EB/2NB^S
M\=*ADM_:@# 2SPW2MJQML$<4HM_FZ5HVL.".* -&TCP!5]5XJ"!< 5:%  *6
MBB@ HHHH **** "BBB@ HHI* "BDS1F@!U%)2T %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 QC5=VJ=^E5)30 TMS2=:CS
MS4L8S0 UDR*KO#FM#9Q36BH RC!STI/L_M6F8:/)]J ,W[/[4?9_:M+R?:CR
M?:@#,^S^U+]GK2\GVH\GVH S?L_M1]G]JTO)]J/)]J ,X0>U2+![5=\FGB*@
M"GY/%1O![5H^733%0!F"#GI5N&+%3^3STJ5(\4 21# J:F*,4^@ HHHH ***
M* "BBB@ HHHH *::=3#0 TFE!IAI10!**6FBG4 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110!&_2J<HJZ]5I%H J <U9B%,
M"<U/&* )5'%*12CI0: &[:-M.I10 W;1MI]+0!'MHVU)10!'MHVU)10!'MI=
MM/HH 9MI-M/I#0 S;3@**!0 X4M(*6@ HHHH **** "BBB@ HHHH *8:?330
M!$:44I% % #Q3J:*=0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% #343+4QII% $&SFI%%.VTX"@ II-/-1F@!,T\5'3A0!
M(*6D%+0 4444 %%%% !1110 AIIIQIAH ;FG TRG+0!(*6FBG4 %%%% !111
M0 4444 %%%% !2&EHH 9BC%.HH !2T44 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 )BEHHH 0U$U2FHFH 9WJ1:C
M[U(M $@I:04M !1110 4444 %%%% "&HVJ0U&U $=/6F4]: )!3J:*=0 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% '
"_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>ny20005581x1_ex99-4img01.jpg
<TEXT>
begin 644 ny20005581x1_ex99-4img01.jpg
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M;7!M971A/B \/WAP86-K970@96YD/2)R(C\^_^T 2%!H;W1O<VAO<" S+C
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M_\0 <P !  (# 0$!              4& P0'" (! 0$
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MQL(V+9OXAMV *A$,_P!DY4E#(Q<>X\R9^2]O[;4'6LMV=$Z[P,34X$,]JV/
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MCN2I"BER4&A4E04\7);61/UH.!=,X/:>T-W+MC= ,,1!<,=0Q9*J- J$J(Z
M*EB%K_U^I.>?[;4'HZ@Q.18KC[4AQD#?8Y? Z0HIAS2Q<"5+CR3PMJ#+089<
M*',85B6PW)8)44FG0$P546Z+Q)%3PM!FH% H% H% H-:/B\9&F2YL:(RQ,GJ
M!3I+;8 Z^K0\&U=,40C4!]H\E\)XH-F@4"@4"@4"@4"@Q,18L?Y/QV09^8R=
M=^,4'FX7W&5D2Y+;RJT&6@4"@PRX<69'*/*:%]@U%3:-+B7$D)+HOJETH,U
MH% H,,J#"E_%^5';D? XCS'R@)\'!^TPY(O$DOX5*#-0*!0*!0*!0*!0*!0*
M!0*!0*!08ID.)-BO1)C#<F)( FWX[PBXVX!)8A,"11(53U1:#]CQX\:.U'CM
M S'9 6V66Q0   2PB(I9$1$2R(E!DH% H% H% H% H% H% H% H% H% H% H
M% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H
M% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H
M% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H
M% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H
'% H% H/_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>ny20005581x1_ex99-4img02.jpg
<TEXT>
begin 644 ny20005581x1_ex99-4img02.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  < 0H# 2(  A$! Q$!_\0
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MK/\ "7Q0U_Q=HL^J:!X)^TVL,IA(.JHCLP ) !3T8=Q70^.?^2-ZS_V!9/\
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M3?[.L<Y^QVV?7RE_PI2KJ<8J2U01HN,FXO1GS+^R=K&G:=K&O6M_>V]M/>)
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'T445@;'_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>sig_elliotdavis01.jpg
<TEXT>
begin 644 sig_elliotdavis01.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
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M6T$<5I;6\,;2=]V]-?739?+^M1?+^O\ @_\ #W>I]+445^%'_!;3_@L#HO\
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MY;J#Q-KNDM##N][KK97T2LVWIOT5^ZZE>E].J=NU^GG:RVOUU;_I-_X*V_\
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M236DT2YUV+5#8H7-J)'CC?[3JQ!1_7I2$@ DG ')/H/4^@]2> ,D\"OX#/\
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M_:^^)WP@^$-[XJT_5OA[^SY+\6_'G@WPA=V'A-KM;+QU\0].M_$NI6=W8_\
M"07=M_PB.CZH@AFO=)77H[<2:;JR2WG[I?M0?\',W_!+_P"!.CZW9_"[XH:G
M^U/\3+6*]M=#\$?!7P[K^H:3J>MQ6\K6%O<^/M5TJQ\+_P!E7=TL5O)JOAVY
M\3&-91)%:7'"E)Z7D]^CTMTT_K]6"N^ENN^R[-Z?E>[MV1_0I17@?[+/Q>\3
M_'[]G/X+_&OQE\.M3^$GB?XH_#WP[XUUGX;ZS<2W6I^$+K7;)+T:3=W$]GI\
M\CQPR13(;BQL[A8ID6XMH9E=%]UNKJVLK:XO;RXAM;.T@FNKJZN)$AM[:VMX
MVEGN)YI"L<4,,2-)+([*D:*S,0H)JMP/R>_X+G? R;]H+_@E5^V/X,L;-KW6
MM ^%FH_$W088X1-.VI_#">#QL5@4ABLD]AHU]:ET!<13R!0<X/Q'_P &K?QQ
MC^+/_!*7P=X/GO/M.K? ?XH?$'X7WD+.7DM=.GNK+QOH:-DE@AL?%A2$?=6.
M$(N NU?*/^"8?[8G[2'_  5+_P""EG[?7Q&T7XB:S>_\$O?ASH%U\#_#/PRU
MG3K=_#7Q)U;5(+SP]I.J:9;WVGKJ.E'6]%LO$WC+Q'+;7EGJ*6.L>%=(U&!H
M[N6.W^+?^#</5)/V,O\ @IM_P4R_X)GZS<S0Z5#XHU;QC\/+6[DF7>WPO\3Z
MEI$;V4$N1))J_@'Q7HMW?7A=FN8_#UG)'NCR5BZNGT=X_C=:;[_H/_@OL[Z?
MY.W>_P C^VVBBBK$%%%% !1110 449 ZG'?\!U-'^?3^= !1110 4444 %%%
M% !1110 4444 %%%% !1110 445Y]\6O']M\*/A7\2OBA>Z?=ZO:?#GP%XN\
M=7.E6"-)?:E!X3T#4-=EL+1%5F:XNTL&MX<*W[R13@XQ0']=C\^/^"IO_!4[
MX+?\$Q_@K_PEWBH1>._C9XU<Z+\$O@5H]R\GBKX@>(YR8HKJXMK..YO-,\)Z
M7(1)J^M20!7D,.E:=]HU6]MH#^!7[,'_  2)_:\_X*\_&.P_;V_X+/ZMXF\(
M_#2_U2UUOX1?L3:1J&L>%[&W\&Q^7<Z1IFO:=;ZC_:_@/PI=PM&ES8B]M_B3
MXD4W.H:YJ^E/=0O/@_\ !!7X/V7_  5<_:K_ &@/^"OW[87BC3OB=\0_ _Q3
MG\'_  #^#5[K2ZGI'P=MH]+2]TG5KKPG(##::;X>T74K71O *2Q/97.LV>O>
M)IDEUVSM[R/^JC]JK]NC]DS]BCPE/XQ_::^./@;X76*6ES=Z?H^K:K'<^+O$
M M45GM_#?@_3OM?B/7;EFDBC2/3]-F422QB22-6W5.^KVZ+TZO\ RV]1_?K;
MT:=FO7[[>5]O=?AC\+/AQ\%O!&@_#;X3>"?#?P\\!>&+*/3] \*>$]*M-&T7
M3+6( !+>SLXXX_,<C?-/)ON+B0M+/+)(S,>^_P _3_/O7\7O[9'_  =:^-/
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M-,TRPMUXBMK.T@B@B4EFVH"[,Y9C^>G[!?P#_8P_X)K> /AO_P $_OA3\1O
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M_@G[XJ\">$K^X?X[?M77K_ SX6Z-I$N=<M].UNUDD\>>+4MHR+EK#2_#Z_\
M"/1/;YG?Q#XLT"")61[B2#]^68*I8D *,DD@  <DL3P% R2>PR:_B$N9)/\
M@N%_P<,VKZ!(OB#]BS_@FS%')>ZVRB70?%?B+P=J<8FAL8YEN+#49/&WQ>:2
MTLG7 U#X>^$+K6HY 1;P$D^BW>B_5_)==;#6^]OE?K_3/Z%/^")O["4O_!/O
M_@GU\&_A#XDL;>T^+'BK38_BG\9S"%:6W^(7C:SM-1O?#T]PLL\=T_@[3O[/
M\+27-O*UI<W>E7=W:_N;A2?YS?\ @J5J4G_!-[_@Y#_8S_;1M,Z1\.?VEM,\
M':3\0]1E<Q:8\=_+<? WXF-<R;<*-(\,ZEX1\4W:A6"L8)]Q=W _N:
M P .  .@ [ 5_)1_P=[?L_R^-/V'/@]^T=HUO<?V_P#L[_&G3[.\O[10LMAX
M6^*%JNC37DMPD9FBCMO%>D>%(X@DL2"YO8Y&W-&@"EI'3I9KKLU^@MM=>CMW
MM;3SV2U]#^M5'21$DC97CD571U(*NC ,K*1P58$$$<$'-.K\_O\ @E=^TM9_
MM=?\$]OV4?CO#=/=:IXH^$?AS2/%IFG>YN8O''@J!O!?C*.YGD9YI99/$6@Z
MA<I-,QFG@N(;B7YY2*_0&JW **** "BBB@#X?_X*,_##]K3XR_L?_%?X;?L0
M?%;2O@I^T;XFA\.V_@WXBZM?7FDIH]A:^)M)OO%-I9:W8:7K5YH6I:WX;MM3
MT6TUFVTVXN=/:_:>U>TNEAO+?;_8#^$'[0OP&_9(^#GPJ_:J^,MQ\?/CSX6T
M.^A\?_$ZYN;O4'UF_OM:U+4K.P35M2M[;5=;@T#3+NST.#6=5ACU#48[!;B=
M$#)&GV+12LKWZVM\@"BBBF 4451U/4]/T73=0UC5KRWT_2])L;O4]2O[N58;
M6QT^PMY+J\O+F9R$BM[:WBDFFE<A8XT9F( )H _+W_@K'_P53^#_ /P2N^ E
MC\2?&FG/X[^*/CS6#X8^#GP?TR]6VUCQIK<<+7.HZG?2HLT^E>$O#]LJ'6-9
M%O+_ *?>Z3H]K')?:K;A?P \0?\ !Q+_ ,%7_@/X'\$?M1_M3_\ !*_2_ W[
M'?C[5K;3-#\56=]XO\.>*I!J2176CRRW6OZUJLNF+K-D[S:!=>(O!&B:9XE5
M)9="O;N*WGV^4_LJ:UX0_P""X_\ P6D^-?[8?QTU73(/V(?V"+2WT[X*^'/%
M.I6.F^%M=U+3/$4EGX$N_$$>K2PV1M?$%Y9>(_B;XEAN \;&+P]X<N'N+$/(
M>T_X+9?M<6/_  5]^/O[//\ P1^_8%UO3OB9HES\4]#\<_M!?&?PB/\ A(?
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MKNUM)'*0W5M<VUY!'+I^H6L\5UI]W=6[K*7HMK(#Z#K^4C_@Z;_;D\2_"#X
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MQIJ$5S#$=0EB^(OB/Q);>!+=X@]M;V6A>,&D>$Q"&\_9'_@H7J/P)_X((_\
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MPUY%<::ZE[K?1)<S7Y+S?IIVOH.UMUV3]5:[^>[7;9WL?=O_  :__MD_'_\
M:8_98^//PO\ VB_&FO\ Q3\8_LQ_&^Z\"Z5\4O%&NWGB+Q#XD\/>(+*XU*#2
M-6U?4YI]4U1_#NIZ=JBZ;J5]++-+HVHZ?8L^--4O_397X'?\&^'[&*?L$?\
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M72WN4TW0] OP3*DUMKYMI(7BGD:,M&*O;;7S]+N]KB6FFR\CXP_X)46.L?\
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M_#D-A=?$'7=.>5A&DNHZ1X5EFDP889(&BFF^4[KP]_P=%_\ !6U8)M=DT_\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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@4 %%%% !1110 4444 %%%% !1110 4444 %%%% '_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>sig_ericjbergevin.jpg
<TEXT>
begin 644 sig_ericjbergevin.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
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M1113 **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHINX988/RD
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M6*U^,'[07PUO- \*_P#!*[]D*^BGO/%GQ!_:=TKXT_%4V=G ;W6+[X=6.O\
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M\#GQ?KWQ>UU+Z-RT'AV[B\&:C+J@OL#[-/?M%;V\5QDF)ADUTWQ$_P""<O\
MP2B_8V\(Q:E^TK\0?$-X\VG0WUYI'C/XK:W::CXWDANV674+'X<>#I;"ZUZ1
M]0:XAL;2&WO[7!Q/=2W"W$U8GP_^,O[&GPY$&M?LR?\ !([X\?$.>V2"#1?%
M=K\ O+L[^W@ %EJ$7B/QA#J\ULL\.R>*>2(7#;P[L3S7U.6X#A2%##U,@X8S
M#.\)&$85,WS;+<!AL/CJE.2=>4,=G&<5,NP_M6[05#*Z<\-1<?:SJ5+J7-B*
MU:$ZZKXE4VZD8X:G1P]3$N%TG*4XT8J;CJDG4<DM&[29^D/_  30_;,^*7[9
MOPDOOB!\5_@MJ?PCU/3->;0]#U.9]3A\/_$FQ2P6XE\3^%;/6;#3-1@TM9W>
MU_>1WML[IN@OYSO"_IFDJ."593C@@,#@^F0<'TK^8']M[_@JY^V5X2^"^K^*
M?@M^QA\6OV<8?!.M>$X/%7Q-^.'AJU.A63:SK%GI6F^%_"FCRZ?9QZI-KM]<
M1Z2-=LY+^S@2=HX[*$RI<VW])O@B_P!1U'PAX8O]9")K=[H.C7.M(L?E!-4G
MTZWEOU"<%56Y>10K*NS;M  %?G7&'#6+RJI#/'EN3Y%EV=YEC:>"R3+\TIYK
M4P7U7#8&I45;$4*M:E*=3ZU3JQ_>J3ISB_84:;I*7J8:LJL(1=65:HH-RDZ$
MJ%K2V]G-)VL[W5U>^NECM%.1GWQ2U#"Y8S \!)BB\?PA(R#[Y))R<_6I68*,
ML< =Z^+B^9)J^MUJK/1M;>J.@B\UMQ&P8"[MP?(Z@8^[CH<YSVJ0," ?4@?G
M[_A_+IFORY^&/_!1+1/BW_P4$\>?L:^ ].TG6_#?PS^%6H^)O&'CF*\F-Y'X
M[T_Q'H.D7?A?2TW-I][8Z3;ZR8]8:-IKV/4MJV["VMKHC],FN )4C+D"-3+C
M=M! )7DGJJ@EB 1G:.P.>_-<JS+))82EFN%E@J^,P.#S"E1JR@I?5\;&4Z+G
M9RY)."O*$N6<;)N*NKY4*U+$*<J,^>,)\CDEH](M..UT[WNKIFD6<$X5<#@$
MR8R>XQM./S_ 4Y"S*"R[6.<KG=C!(ZX&?7H/2O!?B[^T7\%?@>/#'_"U_B=X
M3\!2>,M<L_#?A:W\1:M:6%WX@US4)TM+.QTNT=S<7<LUS<6X81HJ1HX9I &(
M/N5E.ES;1S1G*.9 #NW#Y)70X; RN5.TX^[C)/4\?L,3"C0Q52A7AA<2JCPF
M)G3:H8N--P525"JHJ%14W)1ERMV<M33FAS."DG-*[ALXK1==;7TOKK=7TL6J
M***D8QGVL%QG*DYSCH1QT[Y]>U,65BS!E15'W6\P'=SZ;1C\S69K6IV6D6SW
M^HW,%G96T4DMS=7,Z6T$$2CYI9)Y62&-(_OR/,Z1I&&<GCC\YOBA_P %3?V/
M/ FOKX&T3XEO\7?B5+.]K:^ /@1H^H_%SQ'<7*'YHGC\(PW]A:.I95D-S? !
M_E"A\QCJP.5YMFE6=/+,NQV8RI7G.G@Z"J\L.57=:K)0H8>"LY*=?$4DTG>2
M2)G5H4DI5JD:47]J6RU6M];Z=$G;>UM_TL:7 .%R0I*@G )'12V#C)P,X.,T
MPSN%4B-#(6 9#*% 3)W.KE#OV@ [0H))QD5^>?[%?_!0CX;?MF77Q6\/>'O#
M_B_X?^,_@YXN'A?Q=X%^(-C:Z/XMLXKB(S6.IW6G+*\MNMTRR)):NJS:=B.W
MO5%S/%(OU-\0_C=\)/A1!Y_Q+^)W@'P';P6\U[(_C#QEX?\ #UP;>-6D,B6N
MJ7EK=31E!A1;I,7(4(I8@4\?DV>Y=CWEF,R[&8?,>6GS8)4X5ZM*5>%&K13C
MAHXI5'.G435:G.IATI7;=TPA7P]2[52/+&[E+6W+%7;Z63WLU?72VMO8;B^$
M"EA&9!G (;"]<#<Y4JH+$+\Q!W$  GBK%O*9XED*%"2PVG/\+%21N56*DC*D
MJI(P<<U^*?B;]LWXI_MP7+?!G]@NP\4:1X.\0ZC<>'_B%^V5K7A^[TGP?\//
M"?V@V^O7/PBL=6@MXO'WQ U*TCOM/\-WYE?2_#FH?9M:O=/U&U'[O]A? NA+
MX9\*:#X>2^U75$T32K#2EU/7;XZGK6IC3[:.T&HZO?&.+[7JMZ(OM&HW'E1^
M==O+($4,%&^89/CLHCAEFR6"Q^*A*JLHJ)/'X2A%)*KF,:<JD,%.O)MX?"5I
MPQ?LXNK4I1A*#<4Z\*SE[)*5.+<?:J3UDK+E2Z];NR5UH=;1117FFIXW\8?B
MOX2^"?P\\<?%;QYJW]E>#? >BZCX@U_4I7VI:66G[,Q0QMQ+<W4YCL;2(L#-
M=31QH&9PI_+O]FKX+?$O]MGQOX9_;'_; TNS3PI%<W.O?LR_L[O+/-X;\%^&
M;Q[Q-$^(?CK3)Y9+/7_'6K:3+8WL$4L9@TF&=VB*3E4CS/\ @MOXEURV^"7P
M+\!E#!\-OBQ^UE\&_A[\7-2R?(M_".HZG<WL&GZBJ#='8:MJ^FVJ2SS#[)YL
M,%O,P:YA)_83PG;:=I&E:+H^DV<=GI.E6$&GZ?:V\*QQ6=G96JV]E;0QHHVQ
MQVL<2HB +MPP&*^MHSCPYPK@\QP\E_:W%>.S3 PQBCSRP&494\-2KX;"2U5#
M&YA7Q<YXS$1_?K 4Z:ISI4YS<N:5\1B)46H^PI4X5%%-<_M(M3][[7+HKQDN
M5Q=K-2.OB@B6-!Y,2X RHB50&_B(7G:"1E1_", '&,3;1DG QCD8'7@9/O@
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MFXRLI8U*:Q&:0A:\5EE>,G=WBY58J#O=6DX56X/234G:ZLU^.7[!OP5_:F\
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MG?L'ZU!\//VIO@#;^7!XLUV:6*S^/6GW\+'Q9H?Q/D0W,!O_ !).]U>1Z_\
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M[GY:_LQ?L?\ Q*OOB9:_M3?MJ>*M$^)/[2&GZ%-HG@KPWX=M+M_A5\"M!O9
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M]ZL5H$G&$E1D"U]+_#GX,_#7X5:?%I'PZ^'O@_P+ID$4<$5IX4\/:-HB&*)
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J115+3^M_4 HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>sig_larryfmazza.jpg
<TEXT>
begin 644 sig_larryfmazza.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
M     0(#! 4&!P@)"@O_Q "U$0 " 0($! ,$!P4$!  ! G<  0(#$00%(3$&
M$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B<M$*%B0TX27Q%Q@9&B8G*"DJ-38W
M.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J"@X2%AH>(B8J2
MDY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KB
MX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$  A$#$0 _ /[^**** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BF++$[R1I)&TD6WS8U=6>+>NY/,0$LF]?F7<!N7D9%/H **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M?VD?VO/V9OV0?!=[X_\ VE/C7X ^$/ANSM3=(_BS7;:VU?5%+21QP^'_  W
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MTR+R=/T3PYX=TZWTK1],M(\DB&SL+6"!6=FD?9OE=Y&9CUM%?@C^W]_P5?\
MB#IW[0>F?\$V/^":O@_0_CQ^W?XUL;V#Q?XJO+Z.?X4?LG:084-[XO\ B?=P
MV]Y:W?B+0;"?^UAX:N'6VTR4Z;#K4&HZCJ5AX7U1W2_+_@(6_P#P3][J*_'?
M]A_]GC_@KG^SQ\0-%T[]J/\ ;/\ @O\ MD_!?Q3/=WGCRZUSX<ZKX$^+/P[U
M!/"NOS6D?PTU30([3P_X@\/7GC%?#MA?V/BNPCN+?16N[[2H]-N%EM9_A/\
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M]K*5B\4:G\1_#^J:=<!EW)]AM+;X_P"LW,\8#*=\VG1%2ICE*2!T'X)_M6_
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MSQM\8/BIKT5M8ZI\0?B'JD-NWB+Q%)8PR237^O>)=4BM- \'^&;2:_ODL8-
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M9ZQXDTS6],U*\FUS7/$OB7Q#!I@T30M4T^VTJ^U;4--TJX_6;1-&_P"#@O\
MX*RKH_B3Q#XJT?\ X(_?LL:G/<7NG:3X637;O]IWQ7X=NKR,V4NI6\]W8>*-
M,O(;.%6B:_O/A);WR3S7(T6^L;JVV"FGLGZ6$K/KI\[Z/L[/SUM]Y_6+17\9
MW_!$OQ+^T_\ "W_@M=^W[^QCXA_:P^/G[6?P*^#'PVUFT\0^,?C!JVOZ_;?\
M+/T?Q-\-[6VU/RM0U[Q!I_A?7H[W5/&OAN..UU ?VU9:;J#RVKR6JO9?8O\
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M=^TS<ZA_;VH>/OVB[Z[UOP'I_B&6ZCOY]1T7X::EJ6MVVJ2M=J2TOQ UKQK
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M':27EY,L,2O/=W<JQBVL+"UCEO-1OIK:QLX9KJXAB?\ S4/B%JW[3G_!;/\
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M.W21_N17XM_ +]B+]H#6/^"NO[5__!0']J"P\*3^#O#_ ( \+_ +]AC3]/\
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M;X!\+V-U>V4VL:YXAU<PPK86$DE['IT6HZBL306,[)];5_G\?\%7/B_\<_\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
AHH **** "BBB@ HHHH **** "BBB@ HHHH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>sig_stephensinc.jpg
<TEXT>
begin 644 sig_stephensinc.jpg
M_]C_X  02D9)1@ ! 0$ P #   #_[0 V4&AO=&]S:&]P(#,N,  X0DE- ^T*
M4F5S;VQU=&EO;@     0 ,     !  $ P     $  ?_B"^!)0T-?4%)/1DE,
M10 ! 0  "]!N;VYE @   &UN=')21T(@6%E:( ?4  < %0 3  L (6%C<W
M         $E%0R!S4D="     0            #VU@ !     -,M2% @(
M
M$&1E<V,   %$    =&)865H   &X    %&)44D,   ',   (#&1M9&0   G8
M    B&=865H   I@    %&=44D,   ',   (#&QU;6D   IT    %&UE87,
M  J(    )&)K<'0   JL    %')865H   K     %')44D,   ',   (#'1E
M8V@   K4    #'9U960   K@    AW=T<'0   MH    %&-P<G0   M\
M*&-H860   ND    +&1E<V,         &G-21T(@245#-C$Y-C8M,BTQ('=I
M=&A"4$,
M                                                    6%E:(
M     "2@   /A   ML]C=7)V        !      %  H #P 4 !D '@ C "@
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M;W5R(%-P86-E("T@<U)'0@
M
M      !865H@        8ID  +>%   8VEA96B            !0
M;65A<P         !                               "6%E:(
M  ,6   #,P   J1865H@        ;Z(  #CU   #D'-I9R      0U)4(&1E
M<V,         +5)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,@
M-C$Y-C8M,BTQ
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MU=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X^?K_Q  ? 0 # 0$! 0$! 0$!
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MRP227R0?#VW6"Y\5>)_$MBUC8Z=JOCW2];^$/PK\/B]ET\>)VO5U=KG]?/\
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MU*I6F[NC1@IM4Z<7[2HHNI-P]I[,_H[_ &+/CAXP_:3_ &5?@=\=?'WA+3_
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MM0CEM+32;+7[_P (Z=J'C%S(L@M+&RT_6QJJ2K(\2V45N\=PENT,D<?\LO\
MP7D_:J^"3^$_@?\ L'_LS7'@2?X<_">>/QUXRMOAV?#NH>#_  QK6G6.K>%O
M W@;2+_1;BZ2TUO1-.U/Q=JWC"R3RW#Z_P"'S=W5UJ3:M;VGJG[)?PP_:O\
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MDJ&&A:[=6=[/EW:A%.5K-.2C%_$=?_P15_9IU+]IC]HCXK?\%'/VG]0T74_
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M]B/P7K-QH>G_ &"QLUMO#L?@[P-'HVEZ+\-=/L[#2AKVL_BI^S[IGPY\+_\
M!?7XLZ]\5O'OP\^&W@WX>?M%?M3_ !&_M/Q5K5OI'AN>2P3XA:KH6EQ:Y--)
MH.B:EIBZE;^(+S^W=3T?3K%/#FJZ6CP:R--T.X^-R/A3PXS#+N.<MP,<RS[-
M<AX>S#-:.?TJ]>&$6+HJ;P^&R;+\.H3QV'I5?94*V-Q\/]L:J5*%##X>K3G'
MT,3CLWI5LLJU71PM'%8JE0EA7"#J.G*W//$59W5*<ES2C2I/]VK*<I3BT_[?
M:^*?V[/VZ?A'^P3\'I/B=\2Q?:WKFN3WNB?#3X?:-N36/'OBVWL)+V/31?FW
MN;7P_H5F@BN/$?B?4(I;;1[&1%M++6-;O-'T'5?RSN_V[OVBO^"E?[3&A? +
M]A&V\2^ ?V1_ _CGPQJWQW_:QM['7?#FNZ_X?\+W\&O:QX6\*ZQ<MI\OA>T\
M9"*UT/1O#]K9O\0/$JS1:IK)\.?#_P#X3"R?YK\)_#Z^_P""KO\ P6)^-LWQ
MMDGE_9]_85U[5_"NC?#:?3I+O1/$4W@/X@W?AC2/#>N6&I*+&WM?B'XIT;Q)
MXR\;RW]E<ZCK/A_0[;P%+:+I\=MJ&@?+Y+X>4\#BY8SC.O'"9;D^3SXAS[*<
M-5;S:AA9U:%#*<LQ*@K8+,,ZQ5906&G*&(PF%BZE>6&JUJ/+VXG-G4IJGET7
M.MB,0L)A:\TO83FE*=>O"[_>4</!7YTG&I-\L%-1E?SKPE\8_P#@O=_P4+TR
M^^,WP1N#\&?@]->3W/@K3-!/@GX7>'=7.E0Q7L4'A?5O&D5[\0?'5G?W6GVV
MG7.NZGJUYX&N]9NM1TM+K2],37=/T[]_?^">2_M>^$/V6=)F_P""@GB#0XOB
M^/%GB&>*[O\ 5_#4FL:9X)U"]LHO#&G^.]8\.R_\(?-XHDU675FLET*]NX8O
M#=[X6TW4)4\20:O96_._MI_\%1/V3_V&=*OM%\8^*[3QE\5K""VATSX&?#RZ
MT_4O&D+36UE<60\2I'+_ &7\/]*.GWUGJ,,_BB:PN[[27^T>'-*UUU6V;\O?
MAW\'/V]O^"MOQ7^&/QY_:CL]4_9=_8B\'^(=$^)GPN^"&B^(KRQ\5^.+S1=4
MU Z#K$L=K_9?BC^UB;,LWQ(\8:=X19/#^IV>J_"3PM'IWB:]UI/<Q[K\49#/
M$YAPUPEX><%4:\<3EV:PRI0SS&_5Z%54LNRJ<ZU#&<08C&*HI8G$4\/2P\Y4
MI5ZV(IJE.$^:DHX+%*%+&8[-LRE%PK4'6OAJ?/*/-6KI1E3PL*?+:$'.4TI*
M,82NFOZ8J*YS3/&'A+6M?\2>%-'\4^'-6\4^#3I(\8>&M,UO3+_7_"AU^S;4
M="'B31K6ZEU'0CK6GH]_I(U2VM?[2LT:ZL_.@4N.CK\-E"<&HSC*#<832E%Q
M;A4A&I3DDTFXSA*,X2VE"491;33/I4T]4TU=K1WU3::]4TTUT::>I3U&_@TO
M3[_4[H7+6NG6=U?W*V=G=ZC=M!:0/<3"UT^PAN;Z^N3'&P@L[*WN+NYEVP6T
M,LSI&W\J?[3_ /P<=O<^(&\&?L>?#%5T=[JYTNZ^+/Q9T2YU;5;M9)S9IJ?@
M3X6:)XBT=9)A&IU#P\_C/Q-"VIW%Q8VFO^%=$6*\B?\ JXKROP7\"_@E\-]6
MO->^'?P<^%?@+7-1W_VAK/@OX>^$O"VK7WF.[R?;-1T/2+&\NO,>21W\^9]S
MN[-DLQ/UW".;\+9-5Q>*XBX:K<2UE&E_9N&>9?4<#2J+VBK3QE-8:N\0W>DZ
M2FJE&/+-5*%1RC*'!C\/CL1&G#"8R.#C>7MI^Q]I5DO=Y53?/'DVES6<9.ZM
M-6:?\:>J?L+?\%!_^"H/Q2T7QCKW_#1%KX'15CU7XW?MC?V/\,O#YBFL;>Z-
MY\+OV>?#&G[O!VC7YCG2ST3X?R^,/"]YJDR76L>+M'FN;ZZK^C?]B#_@D;^R
ME^Q79Z3K]CX;M?B[\:;,QW,_QD^(>D65YJNG:A&0R3> ?#DTFH:/\/HH&\P6
MUWI3W?BEH9YK;4?%6I6QCBB_4FBO:XE\4^),_P #3R7"RH\/\/T::HPRC)T\
M/3K4]7RXRO!4Y5H-M_[-1AA< ERJ.#BX1:Y\'DF#PM66)J*6+Q4Y<SKXBTW%
MZ:TXNZBU9>_)SJO6]1W84R2..:.2*6-)8I4:.6*15>.2-U*O'(C JZ.I*LK
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M$<E]X\_:0^*GBWPLNJ7T]KX?\/>%?"_@O5?['<WG]EZ;?^([NZ\80W5]:A[
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..444 %%%% !1110!__]D!

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