<SEC-DOCUMENT>0000921895-20-001159.txt : 20200420
<SEC-HEADER>0000921895-20-001159.hdr.sgml : 20200420
<ACCEPTANCE-DATETIME>20200420170756
ACCESSION NUMBER:		0000921895-20-001159
CONFORMED SUBMISSION TYPE:	DEFC14A
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20200420
DATE AS OF CHANGE:		20200420
EFFECTIVENESS DATE:		20200420

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST UNITED CORP/MD/
		CENTRAL INDEX KEY:			0000763907
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				521380770
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFC14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14237
		FILM NUMBER:		20803244

	BUSINESS ADDRESS:	
		STREET 1:		19 S SECOND ST
		CITY:			OAKLAND
		STATE:			MD
		ZIP:			21550
		BUSINESS PHONE:		3013349471

	MAIL ADDRESS:	
		STREET 1:		19 S SECOND ST
		CITY:			OAKLAND
		STATE:			MD
		ZIP:			21550

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Driver Management Co LLC
		CENTRAL INDEX KEY:			0001756372
		IRS NUMBER:				831994022
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFC14A

	BUSINESS ADDRESS:	
		STREET 1:		250 PARK AVENUE
		STREET 2:		7TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10177
		BUSINESS PHONE:		212-572-4811

	MAIL ADDRESS:	
		STREET 1:		250 PARK AVENUE
		STREET 2:		7TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10177
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFC14A
<SEQUENCE>1
<FILENAME>defc14a12447002_04092020.htm
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNITED
STATES</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Washington,
D.C. 20549</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SCHEDULE
14A</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Rule
14a-101)</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">INFORMATION REQUIRED IN PROXY STATEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">SCHEDULE 14A INFORMATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Proxy Statement Pursuant to Section 14(a) of
The Securities Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Amendment No.&nbsp;&nbsp;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by the Registrant &#9744;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by a Party other than the Registrant &#9746;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Check the appropriate box:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Preliminary Proxy Statement</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9746;</TD><TD>Definitive Proxy Statement</TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Definitive Additional Materials</TD></TR></TABLE>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Soliciting Material Under Rule 14a-12</TD></TR></TABLE>



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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%; text-align: center; vertical-align: top; border-bottom: Black 0.5pt solid">FIRST UNITED CORPORATION</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="text-align: center; vertical-align: top"><P>(Name of Registrant as Specified in Its Charter)</P>

</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="text-align: center; vertical-align: top; border-bottom: Black 0.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">DRIVER MANAGEMENT COMPANY LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">DRIVER OPPORTUNITY PARTNERS I LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">J. ABBOTT R. COOPER</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">MICHAEL J. DRISCOLL, ED.D</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">ETHAN C. ELZEN</P>

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">LISA NARRELL-MEAD</P>



</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="text-align: center; vertical-align: top"><P>(Name of Persons(s) Filing Proxy Statement, if Other Than the Registrant)</P>

</TD></TR>
</TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Payment of Filing Fee (Check the appropriate box):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9746;</TD><TD>No fee required.</TD></TR></TABLE>



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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</TD></TR></TABLE>



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

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

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>Title of each class of securities to which transaction applies:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>Aggregate number of securities to which transaction applies:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD>Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on
which the filing fee is calculated and state how it was determined):</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD>Proposed maximum aggregate value of transaction:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(5)</TD><TD>Total fee paid:</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&#9744;</TD><TD>Fee paid previously with preliminary materials:</TD></TR></TABLE>



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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9744;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Check
box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting
fee was paid previously. Identify the previous filing by registration statement number, or the form or schedule and the date of
its filing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>Amount previously paid:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>Form, Schedule or Registration Statement No.:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD>Filing Party:</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD>Date Filed:</TD></TR></TABLE>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">DRIVER MANAGEMENT COMPANY LLC<BR>
</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">APRIL 20, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Dear Fellow First United Stockholder:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver Management
Company LLC and the other participants in this solicitation (collectively, &ldquo;Driver&rdquo;, &ldquo;we&rdquo; or &ldquo;our&rdquo;)
are the beneficial owners of an aggregate of 366,212 shares of common stock, par value $0.01 per share (the &ldquo;Common Stock&rdquo;),
of First United Corporation, a Maryland corporation (&ldquo;First United&rdquo; or the &ldquo;Company&rdquo;), representing approximately
5.3% of the outstanding shares of Common Stock. For the reasons set forth in the attached proxy statement, we believe that meaningful
changes to the composition of the Board of Directors of the Company (the &ldquo;Board&rdquo;) are necessary to ensure that the
Company is run in a manner consistent with your best interests. We are seeking your support for the election of our three (3)
nominees at the Company&rsquo;s 2020 annual meeting of stockholders scheduled to be held on June 11, 2020 at 10:00 a.m., local
time at the First United Operations Center at 12892 Garrett Highway, Oakland, Maryland 21550 (including any adjournments or postponements
thereof and any meeting which may be called in lieu thereof, the &ldquo;Annual Meeting&rdquo;). We are seeking representation
on the Board because we believe that the Board will benefit from the addition of directors with relevant skill sets and a shared
objective of enhancing value for the benefit of all First United stockholders. The individuals that we have nominated are highly-qualified,
capable and ready to serve the stockholders of First United.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Like all First
United stockholders, we will only be able to achieve a return on our investment upon the appreciation in value of First United&rsquo;s
stock. We believe that there is significant value to be realized at First United, but we strongly believe that the Board must
be reconstituted to ensure that the interests of the stockholders, the true owners of First United, are appropriately represented
in the boardroom. We believe that the Board will benefit from our nominees&rsquo; financial expertise and demonstrated history
of value creation. The Company has a classified Board, which is currently divided into three (3) classes. The terms of four (4)
Class I directors expire at the Annual Meeting. We are seeking your support at the Annual Meeting to elect our three (3) nominees
in opposition to three (3) of the Company&rsquo;s director nominees for the class with terms ending in 2023. Your vote to elect
our nominees will have the legal effect of replacing three (3) incumbent directors with our nominees. If elected, our nominees
will constitute a minority on the Board, and there can be no guarantee that our nominees will be able to implement any actions
that they may believe are necessary to unlock stockholder value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We urge you to
carefully consider the information contained in the attached proxy statement and then support our efforts by signing, dating and
returning the enclosed <B>WHITE</B> proxy card today. The attached proxy statement and the enclosed <B>WHITE</B> proxy card are
first being mailed to stockholders on or about April 20, 2020.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If you have
already voted for the incumbent management slate, you have every right to change your vote by signing, dating and returning a
later dated <B>WHITE</B> proxy card or by voting in person at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If you have any
questions or require any assistance with your vote, please contact Saratoga Proxy Consulting LLC, which is assisting us, at its
address and toll-free numbers listed below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 207pt">Thank you for your support,<BR>
<BR>
/s/ J. Abbott R. Cooper</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 207pt"><BR>
J. Abbott R. Cooper<BR>
Driver Management Company LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse">
<TR>
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>If you have any questions, require assistance
        in voting your <B>WHITE</B> proxy card,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>or need additional copies of Driver&rsquo;s
        proxy materials,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>please contact Saratoga at the phone numbers
        listed below.</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 188px; width: 386px"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Stockholders call toll free at (888) 368-0379</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Email: info@saratogaproxy.com</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">2020 ANNUAL MEETING OF STOCKHOLDERS<BR>
OF<BR>
FIRST UNITED CORPORATION<BR>
<BR>
_________________________<BR>
<BR>
PROXY STATEMENT<BR>
OF<BR>
DRIVER MANAGEMENT COMPANY LLC<BR>
<BR>
_________________________<BR>
<BR>
PLEASE SIGN, DATE AND MAIL THE ENCLOSED WHITE PROXY CARD TODAY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver Management
Company LLC, a Delaware limited liability company (&ldquo;Driver Management&rdquo;) and the other participants in this solicitation
(collectively, &ldquo;Driver&rdquo;, &ldquo;we&rdquo; or &ldquo;our&rdquo;) are significant stockholders of First United Corporation,
a Maryland corporation (&ldquo;First United&rdquo; or the &ldquo;Company&rdquo;), who collectively beneficially own an aggregate
of 366,212 shares of common stock, par value $0.01 per share (the &ldquo;Common Stock&rdquo;), of the Company, representing approximately
5.3% of the outstanding shares of Common Stock. We believe that the Board of Directors of the Company (the &ldquo;Board&rdquo;)
must be meaningfully reconstituted to ensure that the best interests of stockholders are appropriately represented in the boardroom.
We have nominated three (3) highly-qualified director candidates who have strong, relevant backgrounds and who are committed to
fully exploring all opportunities to unlock stockholder value. We are seeking your support at the Company&rsquo;s 2020 annual
meeting of stockholders scheduled to be held on June 11, 2020 at 10:00 a.m., local time at the First United Operations Center
at 12892 Garrett Highway, Oakland, Maryland 21550 (including any adjournments or postponements thereof and any meeting which may
be called in lieu thereof, the &ldquo;Annual Meeting&rdquo;), for the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">To elect Driver&rsquo;s three (3) director nominees, Michael J. Driscoll, Ed.D, Lisa Narrell-Mead
and Ethan C. Elzen (each a &ldquo;Nominee&rdquo; and, collectively, the &ldquo;Nominees&rdquo;), to the Board as Class I directors
to serve until the 2023 annual meeting of stockholders or until their respective successors are duly elected and qualified;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">To
                                         vote on a non-binding, advisory resolution to approve the compensation of the Company&rsquo;s
                                         named executive officers for 2019 (the &ldquo;Say-on-Pay Proposal&rdquo;);</P>


</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">To ratify the appointment of Baker Tilly Virchow Krause, LLP as the Company&rsquo;s independent
registered public accounting firm for the fiscal year ending December 31, 2020; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">To transact such other business as may properly come before the Annual Meeting.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This Proxy Statement
and the enclosed <B>WHITE</B> proxy card are first being mailed to stockholders on or about April 20, 2020.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver Management,
Driver Opportunity Partners I LP, a Delaware limited partnership (&ldquo;Partners&rdquo;), J. Abbott R. Cooper, Michael J. Driscoll,
Ed.D, Lisa Narrell-Mead and Ethan C. Elzen are members of a group (the &ldquo;Group&rdquo;) formed in connection with this proxy
solicitation and are deemed participants in this proxy solicitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As of April 20,
2020, the participants in this solicitation collectively own 366,212 shares of Common Stock (the &ldquo;Driver Group Shares&rdquo;).
We intend to vote such shares <B>FOR</B> the election of the Nominees, <B>AGAINST</B> the Say-on-Pay Proposal, as described herein,
and <B>AGAINST</B> the ratification of the selection of Baker Tilly Virchow Krause, LLP as the Company&rsquo;s independent registered
public accounting firm for the fiscal year ending December 31, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company has
set the close of business on April 7, 2020 as the record date for determining stockholders entitled to notice of and to vote at
the Annual Meeting (the &ldquo;Record Date&rdquo;). The mailing address of the principal executive offices of the Company is 19
South Second Street, Oakland, Maryland 21550. Stockholders of record at the close of business on the Record Date will be entitled
to vote at the Annual Meeting. According to the Company, as of the Record Date, there were 6,966,898 shares of Common Stock outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">THIS SOLICITATION
IS BEING MADE BY DRIVER AND NOT ON BEHALF OF THE BOARD OR MANAGEMENT OF THE COMPANY. WE ARE NOT AWARE OF ANY OTHER MATTERS TO
BE BROUGHT BEFORE THE ANNUAL MEETING OTHER THAN AS SET FORTH IN THIS PROXY STATEMENT. SHOULD OTHER MATTERS, WHICH DRIVER IS NOT
AWARE OF A REASONABLE TIME BEFORE THIS SOLICITATION, BE BROUGHT BEFORE THE ANNUAL MEETING, THE PERSONS NAMED AS PROXIES IN THE
ENCLOSED <B>WHITE</B> PROXY CARD WILL VOTE ON SUCH MATTERS IN THEIR DISCRETION.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">DRIVER URGES YOU
TO SIGN, DATE AND RETURN THE <B>WHITE</B> PROXY CARD IN FAVOR OF THE ELECTION OF THE NOMINEES.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IF YOU HAVE
ALREADY SENT A PROXY CARD FURNISHED BY COMPANY MANAGEMENT OR THE BOARD, YOU MAY REVOKE THAT PROXY AND VOTE ON EACH OF THE PROPOSALS
DESCRIBED IN THIS PROXY STATEMENT BY SIGNING, DATING AND RETURNING THE ENCLOSED <B>WHITE</B> PROXY CARD. THE LATEST DATED PROXY
IS THE ONLY ONE THAT COUNTS. ANY PROXY MAY BE REVOKED AT ANY TIME PRIOR TO THE ANNUAL MEETING BY DELIVERING A WRITTEN NOTICE OF
REVOCATION OR A LATER DATED PROXY FOR THE ANNUAL MEETING OR BY VOTING IN PERSON AT THE ANNUAL MEETING.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Important Notice Regarding the Availability
of Proxy Materials for the Annual Meeting&mdash;This Proxy Statement and our WHITE proxy card are available at http://www.renovatemybank.com<BR>
<BR>
</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">______________________________</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">IMPORTANT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Your vote is
important, no matter how many shares of Common Stock you own. Driver urges you to sign, date, and return the enclosed WHITE proxy
card today to vote FOR the election of the Nominees and in accordance with Driver&rsquo;s recommendations on the other proposals
on the agenda for the Annual Meeting.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B>Registered
Owners </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">If your shares
of Common Stock are registered in your own name, please sign and date the enclosed <B>WHITE</B> proxy card and return it to Driver,
c/o Saratoga Proxy Consulting LLC (&ldquo;Saratoga&rdquo;), in the enclosed postage-paid envelope today. Stockholders also have
the following two options for authorizing a proxy to vote their shares:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"></P><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">Via the Internet at www.cesvote.com at any time prior to 11:59 p.m.
Eastern Time on June 10, 2020, and follow the instructions provided on the&nbsp;<B>WHITE</B>&nbsp;proxy card; or</P>


</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">By telephone, by calling 1 (888) 693-8683 at any time prior to 11:59
p.m. Eastern Time on June 10, 2020, and follow the instructions provided on the&nbsp;<B>WHITE&nbsp;</B>proxy card.</P>


</TD></TR></TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Beneficial Owners</B> <FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">If your shares
of Common Stock are held in a brokerage account or bank, you are considered the beneficial owner of the shares of Common Stock,
and these proxy materials, together with a <B>WHITE</B> voting instruction form, are being forwarded to you by your broker or
bank. As a beneficial owner, if you wish to vote, you must instruct your broker, trustee or other representative how to vote.
Your broker cannot vote your shares of Common Stock on your behalf without your instructions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">Beneficial owners
may vote either by the Internet or toll-free telephone. Please refer to the enclosed instructions on how to vote by Internet or
telephone. You may also vote by signing, dating and returning the enclosed <B>WHITE</B> voting instruction form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0">Since only your
latest dated proxy card will count, we urge you not to return any proxy card you receive from the Company. Even if you return the
management proxy card marked &ldquo;withhold&rdquo; as a protest against the incumbent directors, it will revoke any proxy card
you may have previously sent to us. Remember, you can vote for our three (3) Nominees only on our <B>WHITE</B> proxy card. So please
make certain that the latest dated proxy card you return is the <B>WHITE</B> proxy card.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<TR>
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>If you have any questions, require assistance
        in voting your <B>WHITE</B> proxy card,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>or need additional copies of Driver&rsquo;s
        proxy materials,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>please contact Saratoga at the phone numbers
        listed below.</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 188px; width: 386px"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Stockholders call toll free at (888) 368-0379</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Email: info@saratogaproxy.com</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0; text-align: center"><B>BACKGROUND TO THE SOLICITATION</B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0; text-align: justify">The following is a chronology of events
leading up to this proxy solicitation:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 15, 2019, Abbott Cooper, Managing Member of Driver Management Company LLC (&#8220;Driver&#8221;),
sent a letter by email to Carissa Rodeheaver, Chairman and CEO of First United, expressing his view that First United would fetch
a far higher price in a sale than it could reasonably expect to trade for in the public markets any time in the near future, and
requesting that First United immediately retain a qualified investment bank to solicit acquisition proposals from other banks.
Mr. Cooper also stated that he would welcome a frank discussion with Ms. Rodeheaver to the extent she disagreed with his conclusions,
as well as the opportunity to discuss several questions relating to First United&#8217;s financial and operating performance. Mr.
Cooper&#8217;s view that First United would be worth far more in a sale than remaining independent was based on his experience
as a bank investor and investment banker advising depositary institutions, his review of First United&#8217;s past and present
financial condition and performance, his assessment as to the competency of First United&#8217;s management team and Board, his
judgement as to the existence and identity of Potential Acquirors (as defined below) as well as the relationship of the trading
multiples for such Potential Acquirors&#8217; common stock to those of First United&#8217;s Common Stock.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 26, 2019, Driver filed exempt solicitation materials with the Securities and
                                                                                                        Exchange Commission (the &#8220;SEC&#8221;) (i) stating Driver&#8217;s belief that First United would be worth more in a sale
                                                                                                        than independent, (ii) expressing concern regarding First United&#8217;s corporate governance and lack of alignment with
                                                                                                        shareholder interests, (iii) requesting that First United retain financial advisors and explore a sale, and (iv) stating
                                                                                                        Driver&#8217;s intention to vote against First United&#8217;s nominees for director and against approving the compensation
                                                                                                        paid to First United&#8217;s executive officers in 2018 at the Company&rsquo;s  2019 annual meeting of
                                                                                                        stockholders (the &#8220;2019 Annual Meeting&#8221;). Driver also noted that First United&#8217;s directors, nominees and
                                                                                                        executive officers as a group owned barely more than 4% of the outstanding Common Stock and that Ms. Rodeheaver owned less
                                                                                                        than 10,000 shares of Common Stock, 5,000 of which were pledged to secure a loan.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 28, 2019, Driver filed exempt solicitation materials with the SEC, noting that (i) a
                                                                                                        First United shareholder had submitted a proposal to shareholders for approval at the Company&rsquo;s 2006 annual meeting of shareholders (the &#8220;2006 Annual Meeting&#8221;) requesting that the Board seek to improve shareholder value by sale
                                                                                                        or merger of First United and (ii) the Board recommended that First United shareholders vote against that proposal. Driver
                                                                                                        also compared First United&#8217;s total shareholder return for the period March 23, 2016 to March 26, 2019 (which was
                                                                                                        negative 2.11%) to selected indexes and publicly traded banks and examined the total compensation paid to the directors who
                                                                                                        had served continuously on the Board since before the 2006 Annual Meeting for that same period.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 2, 2019, Driver filed exempt solicitation materials with the SEC comparing the price to
tangible book value multiples for a number of Potential Acquirors to that of First United and noted that the Potential Acquirors&#8217;
respective common stocks traded at a significant premium to the Common Stock on a price to book value multiple basis. Driver also
noted its belief that some of the Potential Acquirors would have an interest in acquiring First United.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">During the first week of April, 2019, Mr. Cooper telephoned Ms. Rodeheaver to suggest a meeting
to discuss the March 15, 2019 letter and Driver&#8217;s subsequent public filings.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 10, 2019, Mr. Cooper and Ms. Rodeheaver, together with Tonya Sturm, First United&#8217;s
Senior Vice President and Chief Financial Officer, met in New York City. Mr. Cooper reiterated his belief that First United was
worth significantly more in a sale than independent and strongly suggested that, if Ms. Rodeheaver did not agree with his conclusions,
she should make a compelling case to shareholders for remaining independent. Mr. Cooper also stated that he did not believe that
Ms. Rodeheaver&#8217;s current compensation arrangements adequately aligned her interests with shareholders generally. Mr. Cooper
further strongly suggested that Ms. Rodeheaver should cause the Board to materially restructure Ms. Rodeheaver&#8217;s compensation
arrangements to better align her interests with shareholders generally, including by changing the mix of compensation from all
cash to a mix of cash and equity, and increasing the amounts payable to Ms. Rodeheaver in the event of a change of control. Mr.
Cooper stated that, as a shareholder, he preferred it when chief executive officers were generally economically indifferent (as
a result of equity ownership and change of control provisions) to operating or selling a business since he believed that such chief
executive officers would be more objective in making decisions for the benefit of all shareholders. Mr. Cooper further stated that,
given Ms. Rodeheaver&#8217;s current compensation arrangements, it seemed obvious to him that Ms. Rodeheaver had more to gain from
a personal economic perspective by keeping First United independent, creating an inherent conflict of interest.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 30, 2019, First United announced that the Board had authorized the repurchase of up to
5% of the outstanding Common Stock.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On May 24, 2019, Mr. Cooper emailed Ms. Rodeheaver to request a call to discuss the results of
the 2019 Annual Meeting, noting the exponential increase in withhold votes from the previous year&#8217;s annual meeting of shareholders,
some technical matters relating to the proxy card for the 2019 Annual Meeting and First United&#8217;s recently announced stock
buyback program.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On May 31, 2019, Mr. Cooper spoke to Ms. Rodeheaver and Ms. Sturm by telephone. Mr. Cooper again
reiterated his view that First United would be worth significantly more in a sale than independent, and again urged Ms. Rodeheaver
to present a compelling case to shareholders for remaining independent if she disagreed with his conclusions. Mr. Cooper also articulated
the following objections to First United pursuing a stock buyback at that time: (i) since Mr. Cooper believed that First United
should immediately initiate a sale process to maximize value for all shareholders, any stock buyback would indicate that First
United was not actively exploring a sale, (ii) given the limited trading volume of the Common Stock, it would be difficult for
First United to buy back any material amounts of Common Stock in the near term, and (iii) since Mr. Cooper believed the Common
Stock was trading based on the potential value that might be obtained in a sale and the likelihood of a sale occurring, a buyback
was unlikely to have any material positive impact on the price of the Common Stock. Mr. Cooper asked Ms. Rodeheaver if First United
had engaged an investment banking firm to conduct a buyback and, if so, what indication they had given her as to the amount of
time it would take to buy back 5% of the Common Stock. Ms. Rodeheaver declined to confirm whether she or any other representative
of First United had made any arrangements with any investment banking firm or similar intermediary to conduct a buyback.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On July 24, 2019, Mr. Cooper sent Ms. Rodeheaver a letter (the &#8220;July 24 Letter&#8221;) requesting
a meeting with the Board to present Driver&#8217;s analysis indicating that First United was worth more in a sale than independent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On August 8, 2019, Ms. Rodeheaver emailed Mr. Cooper indicating that she would present the July
24 Letter to the Board at its next regularly scheduled Board meeting at the end of August. In a subsequent email, Ms. Rodeheaver
requested that Mr. Cooper provide Driver&#8217;s analysis that she could present to the Board along with the July 24 Letter. Mr.
Cooper responded that he would prefer not to provide Driver&#8217;s analysis without any accompanying commentary, but would be
willing to present the analysis to Ms. Rodeheaver so long as she provided a synopsis of Mr. Cooper&#8217;s commentary to the Board
along with the analysis.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On August 20, 2019, Mr. Cooper sent Ms. Rodeheaver a presentation (the &#8220;August 20 Presentation&#8221;)
containing Driver&#8217;s analysis. Later that day, Mr. Cooper spoke with Ms. Rodeheaver and Ms. Sturm by phone and provided a
detailed commentary regarding the contents of the August 20 Presentation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On August 21, 2019, Mr. Cooper emailed Ms. Rodeheaver to express his frustration at the apparent
lack of concern evidenced by Ms. Rodeheaver on their August 20 call regarding the need to increase shareholder value and what he
saw as Ms. Rodeheaver&#8217;s fundamental misperception of First United&#8217;s historical performance, current condition and future
prospects. Ms. Rodeheaver indicated that she would share Mr. Cooper&#8217;s views with the Board.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 2, 2019, Ms. Rodeheaver emailed Mr. Cooper to indicate that she had shared the August
20 Presentation with the Board and further indicated that the Board would require more than a &#8220;few&#8221; meetings to consider
the matter. Ms. Rodeheaver added that the Board had &#8220;decided to conduct additional analyses regarding its current strategy
and any potential alternatives to that strategy.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 4, 2019, Mr. Cooper sent a letter (&#8220;September 4 Letter&#8221;) to Ms.
                                                                                                        Rodeheaver (i) highlighting First United&#8217;s dismal long term performance, (ii) outlining the difficulty that First
                                                                                                        United would face in delivering the type of shareholder value that might be obtained in a sale through a standalone strategy,
                                                                                                        (iii) criticizing the Board&#8217;s decision to &#8220;conduct additional analyses&#8221; as &#8220;a feeble attempt to kick
                                                                                                        the can down the road&#8221; and (iv) urging the Board to take decisive steps to maximize shareholder value. Attached to the
                                                                                                        September 4 Letter was a list of questions regarding the &#8220;additional analyses&#8221; referred to by Ms. Rodeheaver in
                                                                                                        her September 2, 2019 email to Mr. Cooper.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 5, 2019, Driver filed with the SEC its initial Schedule 13D (together with any amendments
thereto, the &#8220;Schedule 13D&#8221;) with respect to First United.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on September 5, 2019, First United filed a Current Report on Form 8-K claiming, among other
things, that Driver &#8220;announced its intention to launch a distracting and costly public campaign&#8221; and that &#8220;[n]o
action on the part of [First United&#8217;s] shareholders is required at this time.&#8221; In response to these statements, Mr.
Cooper send Ms. Rodeheaver an email (i) asking for clarification on the allegation that Driver had announced an &#8220;intention
to launch a distracting and costly public campaign&#8221; and (ii) questioning the purpose of and motivation behind the statement
that &#8220;[n]o action on the part of [First United&#8217;s] shareholders is required at this time.&#8221;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 6, 2019, Driver filed an amendment to the Schedule 13D to seek to eliminate any confusion
caused by what it viewed as First United&#8217;s inaccurate allegation that Driver had, in its September 5 filing, &#8220;announced
its intention to launch&#8221; any type of &#8220;campaign.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 9, 2019, Mr. Cooper sent Ms. Rodeheaver a letter that again asked her to clarify the
statements made in First United&#8217;s September 5, 2019 8-K filing and highlighting the performance of the Common Stock compared
to various bank indexes since March 25, 2019, the day before Driver first publicly called for a sale of First United. In response,
Ms. Rodeheaver sent an email to Mr. Cooper offering to schedule a call to discuss issues raised by Mr. Cooper and Driver.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">In a subsequent exchange of email messages, Mr. Cooper and Ms. Rodeheaver agreed to speak by phone
on September 12, 2019. Prior to the scheduled call on September 12, 2019, Mr. Cooper sent an email to Ms. Rodeheaver suggesting
that the call be postponed to allow First United time to consult with a financial advisor regarding the viability of its current
strategy. Mr. Cooper also raised the possibility of entering into a confidentiality agreement with First United in order to allow
for a more candid and productive conversation. However, First United chose not to enter into a confidentiality agreement with Driver
and the call occurred as scheduled. During the course of the call, Ms. Rodeheaver repeatedly declined to answer any questions (i)
originally raised by Mr. Cooper in the September 4 letter, (ii) regarding First United&#8217;s current strategy, or (iii) regarding
the identity of the firms advising the Board, all on the grounds that such information had not been, and would not be, publicly
disclosed by First United, and any disclosure to Mr. Cooper would be a violation of First United&#8217;s obligations under Regulation
FD.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 13, 2019, Mr. Cooper sent Ms. Rodeheaver a letter questioning the sincerity of
                                                                                                        First United&#8217;s publicly stated desire for &#8220;constructive dialogue&#8221; with shareholders in light of Ms.
                                                                                                        Rodeheaver&#8217;s refusal to answer questions regarding First United&#8217;s strategy during their September 12, 2019 phone
                                                                                                        call as well as in earlier conversations.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On September 26, 2019, Driver released a presentation highlighting its concerns about governance
issues relating to the Board, which concerns included excessive tenure, risk oversight, entrenchment and conflicts of interest.
In a press release accompanying the presentation, Driver raised the possibility of nominating candidates for director at First
United&#8217;s next annual meeting unless the Board took immediate steps to increase shareholder value.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 1, 2019, another First United shareholder issued a press release calling on the Board
to immediately explore a sale.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 2, 2019, Mr. Cooper sent a letter to John McCullough, First United&#8217;s Lead Director,
expressing concern that Ms. Rodeheaver may be or have been intentionally avoiding discussions with representatives of other financial
institutions that might have an interest in acquiring First United. Mr. Cooper requested that Mr. McCullough immediately establish
a committee of independent directors to field any and all inquiries or overtures that might be likely to lead to an acquisition
proposal, as well as to affirmatively solicit acquisition proposals from likely buyers.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 3, 2019, Mr. Cooper sent a letter to Ms. Sturm requesting a current list of First United
shareholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 10, 2019, Mr. Cooper received a letter from Ms. Sturm denying Mr. Cooper&#8217;s request
for a copy of First United&#8217;s shareholder list because Mr. Cooper failed, in his October 3, 2019 letter, to provide legal
justification for his request, and stating that &#8220;[First United] must insist that stockholders adhere to the letter of the
law regardless of the nature of the request or [First United&#8217;s] ability to satisfy it.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 11, 2019, Mr. Cooper received a letter from Mr. McCullough stating that he had
                                                                                                        received and reviewed Mr. Cooper&#8217;s October 2, 2019 letter and that the Board was &#8220;debriefed by management on a
                                                                                                        regular basis, including with respect to inbound communications from shareholders and others within the Wall Street
                                                                                                        community.&#8221; No mention was made as to the specific issue raised in Mr. Cooper&#8217;s October 2, 2019
                                                                                                        letter&#8212;whether Ms. Rodeheaver was actively avoiding any conversations that might be reasonably likely to lead to an
                                                                                                        acquisition proposal&#8212;nor Mr. Cooper&#8217;s proposed remedy&#8212;that the First United board immediately establish a
                                                                                                        committee of independent directors to respond to any outreach by third parties that might reasonably expected to lead to an
                                                                                                        acquisition proposal. In addition, Mr. McCullough noted that Driver had previously raised the possibility of nominating
                                                                                                        candidates for election to director and, apparently in response to that possibility, highlighted that First United had
                                                                                                        &#8220;added three directors over the past 5 years and&#8230; anticipate[d] that several directors will be leaving the board
                                                                                                        in the next few years.&#8221; Mr. McCullough also indicated that legal counsel to First United would call Driver&#8217;s
                                                                                                        attorneys to discuss &#8220;a cooperation framework.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 16, 2019, attorneys for First United spoke with attorneys for Driver by telephone
                                                                                                        and stated that First United was interested in exploring a &#8220;dialogue&#8221; with Driver regarding refreshing the Board
                                                                                                        to reduce public &#8220;acrimony.&#8221; In response, attorneys for Driver explained that Driver&#8217;s primary objective
                                                                                                        was for First United to immediately initiate a sale process in order to maximize shareholder value, and Driver would be
                                                                                                        highly unlikely to engage in any &#8220;dialogue&#8221; that did not include discussion of a sale process. Attorneys for
                                                                                                        Driver also suggested that the first step towards any &#8220;dialogue&#8221; would be a direct conversation between Messrs.
                                                                                                        McCullough and Cooper.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 17, 2019, Mr. Cooper sent an email to Ms. Sturm to be forwarded to Mr. McCullough. In
the email, Mr. Cooper expressed surprise to Mr. McCullough that, on the October 16, 2019 call, attorneys for First United seemed
preoccupied with the concept of refreshing the Board when Driver had, in Mr. Cooper&#8217;s opinion, been abundantly clear that
its primary objective was for the Board to run a sale process, and that Driver was only considering nominating candidates for director
because it believed the Board was unwilling to take action to increase shareholder value.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 21, 2019, First United released earnings results for the three and nine month periods
ended September 30, 2019.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 23, 2019, Mr. Cooper sent Ms. Rodeheaver a letter detailing a number of questions regarding
First United&#8217;s third quarter earnings release and requesting a meeting when Ms. Rodeheaver travelled to meet with investors
later that month.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 24, 2019, First United released an investor presentation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on October 24, 2019, Mr. Cooper sent a letter to Ms. Sturm questioning the logic of the
                                                                                                        rationale given by Ms. Sturm in her October 10, 2019 letter stating that First United was denying Mr. Cooper&#8217;s request
                                                                                                        for a copy of First United&#8217;s shareholder list, noting that, as a general matter, corporations routinely provided
                                                                                                        shareholders with information beyond what was strictly required as a matter of law, and suggesting that First United&#8217;s
                                                                                                        true rationale for denying Mr. Cooper&#8217;s request was to prevent Mr. Cooper from communicating with other First United
                                                                                                        shareholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 28, 2019, Mr. Cooper sent an email to Ms. Sturm to be forwarded to Mr. McCullough. Mr.
Cooper objected to characterizations made by representatives of First United that Driver was unwilling to engage in meaningful
dialogue with First United. Mr. Cooper contended that Driver had repeatedly attempted to engage with First United regarding a sale
to no effect.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 29, 2019, Mr. Cooper sent a letter to Ms. Rodeheaver listing a number of questions
                                                                                                        regarding First United&#8217;s October 24, 2019 investor presentation and the information contained therein. Among other
                                                                                                        questions, Mr. Cooper queried Ms. Rodeheaver as to what portion of First United&#8217;s recent stock price outperformance
                                                                                                        might be attributable to investors&#8217; expectation that First United would maximize shareholder value in a sale.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on October 29, 2019, Mr. Cooper received a letter from Ms. Sturm again denying Mr. Cooper&#8217;s
request for a copy of First United&#8217;s shareholder list.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 30, 2019, Mr. Cooper received a letter from Mr. McCullough expressing that First United
was &#8220;disappointed to learn that [Mr. Cooper] would not consider a discussion with the [Board] regarding a cooperation framework,
unless the [Board] first committed to initiating a public sale process.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On October 31, 2019, Driver released a presentation responding to First United&#8217;s
                                                                                                        October 24, 2019 investor presentation detailing Driver&#8217;s views that First United had failed to articulate any
                                                                                                        compelling strategy that would be reasonably likely to increase shareholder value.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on October 31, 2019, Mr. Cooper and another representative of Driver met with Ms.
                                                                                                        Rodeheaver and Ms. Sturm to discuss First United&#8217;s third quarter earnings release as well as First United&#8217;s
                                                                                                        October 24, 2019 investor presentation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on October 31, Mr. Cooper sent an email to Ms. Sturm to be forwarded to Mr. McCullough identifying
Michael Driscoll, Ed.D, Lisa Narrell-Mead and Ethan Elzen as the individuals Driver intended to nominate for election as directors
at First United&#8217;s 2020 annual meeting of stockholders (the &#8220;2020 Annual Meeting&#8221;).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 6, 2019, Mr. Cooper sent a letter to Mr. McCullough highlighting certain issues relating
to First United&#8217;s corporate governance practices. Mr. Cooper also noted that Mr. McCullough had failed to respond to Mr.
Cooper&#8217;s repeated requests for a phone call or meeting. There has been no response to date to the questions raised in this
letter.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on November 6, 2019, Mr. Cooper received a letter from Mr. McCullough requesting that Mr.
Cooper cause Dr. Driscoll, Ms. Narrell-Mead and Mr. Elzen complete First United&#8217;s director questionnaire.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 8, 2019, a third First United shareholder issued a press release calling on the Board
to initiate a sale process.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 19, 2019, Driver publicly announced its intention to nominate Dr. Driscoll, Ms. Narrell-Mead
and Mr. Elzen for election to the Board at the 2020 Annual Meeting.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 26, 2019, Mr. Cooper received a letter from Mr. McCullough in which Mr. McCullough
held out the possibility of meeting with members of the Board to discuss Board composition and other matters if Driver submitted
its Nominees to be interviewed by the members of the Board.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 27, 2019, Mr. Cooper sent a message to Ms. Sturm to be forwarded to Mr. McCullough
requesting a &#8220;frank and candid&#8221; conversation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On November 29, 2019, Mr. Cooper received a letter from Mr. McCullough declining Mr. Cooper&#8217;s
request for a &#8220;frank and candid&#8221; conversation unless and until Driver made its Nominees available for interview by
the Board.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On December 3, 2019, Mr. Cooper sent a letter to Mr. McCullough questioning First United&#8217;s
motives regarding what Mr. Cooper believed was an intentional attempt by First United to confuse shareholders and mislead them
into believing that Driver requested First United to consider Driver&#8217;s Nominees for nomination by First United for election
to director at the 2020 Annual Meeting and create an impression that Driver&#8217;s nomination of Dr. Driscoll, Ms. Narrell-Mead
and Mr. Elzen was somehow deficient. Specifically, Mr. Cooper pointed out that Driver was not obligated to submit its Nominees
to be interviewed by the Board, a fact that, Mr. Cooper suggested, the Board clearly understood. Mr. Cooper called Mr. McCullough&#8217;s
repeated statements regarding interviewing (and obtaining director questionnaires from) Driver&#8217;s Nominees a &#8220;pathetic
and desperate attempt&#8221; to distract shareholders from the more important issue of First United&#8217;s lack of strategic direction.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on December 3, 2019, Mr. Cooper raised a number of questions regarding First United&#8217;s
November 25, 2019 announcement that it had increased the number of shares authorized to be repurchased by First United to approximately
7% of outstanding shares and that the Board had &#8220;authorized&#8221; First United&#8217;s trust department to purchase up to
150,000 shares of Common Stock. There has been no response to the questions raised in that letter.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also on December 3, 2019, Driver delivered First United a formal notice of nomination with respect
to the Nominees.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On December 13, 2019, Driver sent a letter to certain members of the Board requesting that First
United adopt a &#8220;plurality-carve out&#8221; to First United&#8217;s majority voting standard in contested director elections.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Between December 13 and December 15, 2019, attorneys for Driver and attorneys for First United
spoke to discuss a plurality carve-out.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On December 16, 2020 the Board adopted a resolution providing for a plurality carve-out at the
2020 Annual Meeting.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On December 17, 2019, Mr. Cooper sent a letter to certain members of the Board with a number of
questions regarding First United&#8217;s corporate governance practices and disclosures. There has been no direct response to the
questions raised in that letter.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On January 9, 2020, Mr. Cooper sent a letter to certain members of the Board again requesting a
copy of First United&#8217;s shareholder list.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On January 10, 2020, an attorney for First United called counsel for Driver and indicated that
Mr. McCullough, along with other members of the Board, were prepared to meet with Mr. Cooper once First United had released its
earnings results for the fourth quarter of 2019. Counsel for Driver subsequently informed the First United&#8217;s attorneys that
Mr. Cooper would be generally available for such a meeting.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On January 17, 2020, Mr. Cooper received a letter from Ms. Sturm again denying Driver&#8217;s request
for a copy of First United&#8217;s shareholder list.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">On January 21, 2020, the Director of Enforcement of the Maryland
Office of the Commissioner of Financial Regulation (the &ldquo;Maryland Commissioner&rdquo;) sent a letter to Mr. Cooper notifying
him that he and Driver were under investigation by the Maryland Commissioner for potential violations of a Maryland law regarding
 &ldquo;Share Acquisitions&rdquo; (the &ldquo;Maryland Share Acquisition Law&rdquo;) related to Driver&rsquo;s purchase of Common
Stock. Driver believes it is possible that Ms. Rodeheaver used her position as chairman of the board of directors of the Maryland
Bankers Association, an industry trade and advocacy group that meets with the Maryland Commissioner &ldquo;on a frequent basis,&rdquo;
to suggest to the Maryland Commissioner that Driver had knowingly and intentionally violated applicable law in connection with
the purchase of Common Stock.</P>


</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">On January 28, 2020, the Maryland Commissioner issued expansive
subpoenas to Mr. Cooper and Driver in connection with its investigation.</P>


</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On January 29, 2020, First United released its earnings results for the fourth quarter of 2019.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Following their January 10, 2020 call, attorneys for Driver and First United attempted to schedule
the meeting that had been proposed by counsel to First United. During the process of scheduling the meeting, counsel for First
United indicated that Ms. Rodeheaver and Ms. Sturm would be attending the meeting. After consulting with Mr. Cooper, Driver&#8217;s
counsel indicated to counsel to First United that Mr. Cooper considered Ms. Rodeheaver&#8217;s presence at such a meeting to be
inappropriate and counterproductive given that Driver&#8217;s objective was a sale of First United. In response, counsel for First
United indicated that Ms. Rodeheaver and Ms. Sturm would &#8220;be happy to step out of the meeting for the last 20-30 min[utes],
in case Driver wants to address the independent directors without management present.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 4, 2020, Driver&#8217;s counsel informed counsel to First United that Driver would
not participate in the meeting with Mr. McCullough, which had been scheduled for February 6, 2019, since First United insisted
that Ms. Rodeheaver participate in the meeting.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 6, 2020, Mr. McCullough sent Mr. Cooper a letter regarding the cancellation of the
proposed meeting. In response, and in order to correct what Driver viewed as gross mischaracterizations of the events and circumstances
leading to Driver&#8217;s decision to cancel the proposed meeting, Driver sent a letter to letter to Mr. McCullough on February
7, 2020 calling into question First United and Mr. McCullough&#8217;s sincerity in claiming an interest in a &#8220;dialogue&#8221;
with Driver.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 18, 2020, attorneys for Driver contacted attorneys for First United to assess whether
First United would be amenable to a potential cooperation agreement between Driver and First United.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 19, 2020, attorneys for Driver delivered a term sheet with respect to a potential cooperation
agreement to attorneys for First United. The term sheet provided, among other things,
that First United would appoint two of Driver&#8217;s Nominees to the Board, two current members of the Board would resign and
that First United would undertake further Board refreshment over the next year. In addition, the term sheet contemplated that First
United would make a number of changes to its corporate governance practices and policies, including separating the roles of Chairman
and CEO. In return, Driver would agree to a customary standstill, non-disparagement and other provisions.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 21, 2020, attorneys for First United delivered a revised term sheet to attorneys for
Driver. The revised term sheet contemplated, among other things, that First United would appoint &#8220;an independent, mutually
agreed upon&#8221; individual to the Board and that Driver would agree to substantially longer standstill and non-disparagement
terms than provided for in the original term sheet. The revised term sheet contained no provision for any changes to First United&#8217;s
corporate governance practices and policies.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 26, 2020, attorneys for Driver sent a further revised term sheet to attorneys for First
United. In particular, this further revised term sheet again contemplated that First United would appoint two of Driver&#8217;s
Nominees to the Board and that Driver would agree to a longer standstill and non-disparagement term than provided for in the original
term sheet, in return for First United adopting broad reforms to its corporate governance practices and policies, including policies
regarding shareholder engagement directly with non-management members of the Board, in order to protect the rights of all First
United shareholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">On February 26, 2020, two investigators from the Maryland Commissioner
appeared, without prior notice, at Dr. Driscoll&rsquo;s office to serve him with a subpoena.</P>


</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On February 28, 2020, attorneys for Driver submitted a memorandum of law and fact to the Maryland
Commissioner intended to demonstrate that the Maryland Commissioner&#8217;s investigation of Mr. Cooper and Driver was not justified
by either law of fact.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 2, 2020, both Ms. Narrell-Mead and Mr. Elzen received subpoenas from the Maryland Commissioner.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">On March 4, 2020, attorneys for Driver submitted a Public Information
Act Request to the Maryland Commissioner requesting copies of all records relating to, among other things, all communications between
the Maryland Commissioner and any representatives of First United in connection with activity by Driver.</P>


</TD></TR></TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Between March 4, 2020 and March 9, 2020, attorneys for Driver and First United continued to negotiate
a term sheet with respect to a potential cooperation agreement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 9, 2020, Mr. Cooper emailed Ms. Sturm requesting a call with Mr. McCullough.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">By March 10, 2020, negotiations between attorneys for Driver and First United regarding the term
sheet had reached an impasse. Attorneys for Driver notified attorneys for First United that further discussions regarding the term
sheet would be unproductive unless and until Mr. Cooper had an opportunity to discuss the material open items with Mr. McCullough
and there was some agreement with respect to those material open items.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 13, 2020, Mr. Cooper spoke with Mr. McCullough and M. Kathryn Burkey, another Board member,
by telephone to discuss certain material open items regarding the term sheet, including potential additions to the Board, how those
potential additions would be selected, reimbursement of Driver&#8217;s expenses and corporate governance reforms, the most important
of which, in Driver&#8217;s view, was the separation of CEO and Chairman roles. Mr. Cooper stated that he was unwilling to agree
to any settlement that did not include the reimbursement of Driver&#8217;s expenses and the separation of the Chairman and CEO
roles.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On March 14, 2020, Mr. Cooper again spoke with Mr. McCullough and Ms. Burkey by telephone to clarify
his expectations regarding additions to the Board as part of any cooperation agreement, as well as the length of any standstill
period, and encourage the Board members to reach out to large shareholders so that they might better gauge shareholder sentiment
regarding the proxy contest, the performance and capability of First United&#8217;s management team and First United&#8217;s prospects
as a standalone business.</TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         March 26, 2020, Driver filed a preliminary proxy statement with the SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         March 30, 2020, First United filed a preliminary proxy statement with the SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         March 31, 2020, Driver sent a letter to shareholders describing First United&rsquo;s
                                         past strategy and practices that resulted in financial losses, layoffs, value destruction
                                         and elimination of the Company&rsquo;s dividend for over seven years, as well as an inability
                                         to fully redeem the preferred stock first issued to the U.S. Treasury as part of the
                                         Troubled Asset Relief Program until 2017. In the letter, Driver stated its belief that
                                         urgent change is needed in the boardroom and that it is offering shareholders a clear
                                         path to improve the Board and protect their investment through improved governance, enhanced
                                         investor transparency and a credible assessment of sale options that can unlock shareholder
                                         value.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         April 2, 2020, First United filed an Amendment No.1 to its preliminary proxy statement
                                         with the SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         April 3, 2020, Driver filed Amendment No.1 to its preliminary proxy statement with the
                                         SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also,
                                         on April 3, 2020, Driver issued a press release with a letter to shareholders stating
                                         Driver&rsquo;s belief that First United misused shareholder resources to prompt the Maryland
                                         Commissioner&rsquo;s investigation. In the letter, Driver also clarified that the terms
                                         of First United&rsquo;s settlement proposal would have resulted in the appointment of
                                         only one of Driver&rsquo;s director candidates to the Company&rsquo;s eleven-member Board.</TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On
                                         April 7, 2020, First United filed an Amendment No. 2 to its preliminary proxy statement
                                         with the SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also,
                                         on April 7, 2020, Driver filed an Amendment No. 2 to its preliminary proxy statement
                                         with the SEC.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 9, 2020, First United filed an Amendment No. 3 to its preliminary proxy statement with
the SEC.</TD></TR></TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Also, on April 9, 2020, Driver delivered to First United a letter (the &ldquo;Demand&rdquo;) requesting
that First United either provide its security holder list or agree to mail soliciting materials on behalf of Driver pursuant to
Rule 14a-7 under the Exchange Act.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 13, 2020, Driver delivered to Ms. Sturm a written demand for a list of the Company&rsquo;s
stockholders pursuant to Section 2-513 of the Maryland General Corporation Law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 16, 2020, First United&rsquo;s legal counsel delivered a letter to Driver in response
to the Demand, stating that First United has elected to mail Driver&rsquo;s soliciting materials to the Company&rsquo;s shareholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 17, 2020, First United filed its definitive proxy statement with the SEC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">On April 20, 2020, Driver filed this definitive proxy statement with the SEC.</TD></TR></TABLE>



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

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




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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: center"><B>REASONS FOR THE SOLICITATION</B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Who We Are and Why We Believe
Now is the Time to Act</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver is an investment manager
that leverages the experience and expertise of its principals to unlock trapped value in publicly traded banking organizations.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">We believe corporations have a responsibility
to act in the best interests of shareholders and that directors need to put those interests ahead of their own. We believe the
measure of independence for directors is not found in any checklist of permitted activities or relationships but in their willingness
to exercise independent judgement in carrying out their responsibilities and duties as directors, free from (or in spite of) any
influence or consideration that would impede the full exercise of those responsibilities and duties. Unfortunately, it is our experience&mdash;based
on the years of experience of our principals, bank investors and investment bankers advising depository institutions&mdash;that
many directors of publicly traded banking organizations often fail to demonstrate true independence when confronted with the choice
between taking action to increase shareholder value and preserving the prerequisites and prerogatives of their positions.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">We believe that the best way to
maximize the value of the shares of Common Stock that you own is through the sale of First United to another banking organization.
The basis of our belief is our principals&rsquo; experience as bank investors and investment bankers advising depositary institutions,
their review of First United&rsquo;s past and present financial condition and performance, their assessment as to the competency
of First United&rsquo;s management team and Board, their judgement as to what other banking organizations might have a strong interest
in acquiring First United (such banking organizations, &ldquo;Potential Acquirors&rdquo;) as well as the relationship of the trading
multiples for such Potential Acquirors&rsquo; common stock to those of the Company&rsquo;s Common Stock.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">We have repeatedly tried to engage
with First United, its management team and members of the Board regarding the merits of exploring a sale and initiating a sale
process, particularly when compared to First United&rsquo;s current strategic direction, with little meaningful success. Based
on the actions and statements of First United, its management and the Board since our initial attempt at engagement, we have concluded
that the Board has no interest in taking any steps to increase shareholder value that would materially alter the status quo and
remains committed dissuading Potential Acquirors from making any overtures that might lead acquisition proposals regardless of
the likely benefits of any transaction.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In addition, we believe the Board
is entrenched based on the excessive tenure of directors and what we view as a culture of cronyism that we believe pervades First
United, its management team and the Board. We also believe that First United&rsquo;s corporate governance policies and practices
harm shareholders by insulating the Board from accountability for poor decision making, inadequate risk management and self-interest.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"></P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Our Reasons for this Proxy
Solicitation</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">We believe that shareholder value
at First United can only be unlocked through a sale to a larger banking organization. We do not believe that the Board is willing
to consider a sale or any other transaction that would increase shareholder value because such a transaction may put Board members&rsquo;
prerequisites and prerogatives at risk. We also believe that the Board, if left unchecked, will fail to make needed changes to
First United&rsquo;s corporate governance practices and policies to increase transparency, Board accountability to shareholders
and alignment of management and Board interests with those of shareholders.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">While this Proxy Statement does
not include a proposal for First United to initiate a sale process, Proposal No. 1 pertains to the election of the Nominees, who
we believe will put shareholders&rsquo; interests first and consider whether a sale is in the best interests of all shareholders,
free of the Board&rsquo;s intransigence and bias.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that drastic change
is needed and long overdue at First United. Driver believes that a culture of cronyism pervades the Board and management of First
United to the detriment of shareholders and the financial condition and prospects of First United. Driver believes that until the
stranglehold of a cabal of directors, who Driver believes are only interested in preserving their Board seats and furthering their
own interests, is broken, shareholder value is at risk.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First
United has a long history of underperformance</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">From September 3, 1992 (the first
date on which a trade is recorded on Bloomberg)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>1</SUP></FONT>
until March 20, 2020 First United&rsquo;s total shareholder return (&ldquo;TSR&rdquo;) has woefully underperformed peers: during
that period, First United&rsquo;s TSR was 174.46%, compared to 994.77% for the SNL U.S. Bank $1B-$5B Index (the &ldquo;SNL Index&rdquo;).<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>2</SUP></FONT>
In other words, <U>since listing on an exchange, the SNL Index has outperformed First United by 5.7 times</U>.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>First United has a history of
poor strategic decision making and poor risk management</B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In addition to chronic underperformance
relative to peers, First United has a record of destroying shareholder value through poor strategic decision making and inadequate
risk management. An example of this poor strategic decision making and inadequate risk management can be seen in First United&rsquo;s
decision during 2006 to implement a strategy (the &ldquo;Leverage Strategy&rdquo;) to increase leverage in order to purchase pooled
trust preferred securities and loan participations. As described in First United&rsquo;s 2010 letter to shareholders, written by
then Chairman and CEO William B. Grant:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>1</SUP></FONT> First United&rsquo;s common stock began trading on NASDAQ on September 2, 1992. See First United&rsquo;s Annual Report on Form 10-K (the &ldquo;1993 10-K&rdquo;) for the year ended December 31, 1993 p. 129 available at https://www.sec.gov/Archives/edgar/data/763907/0000763907-94-000004.txt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>2</SUP></FONT> Source: S&amp;P Global Market Intelligence</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">As we evaluated our strategic
opportunities in 2006 and 2007, we recognized that we had made investments into vibrant markets&mdash;notably Morgantown and Martinsburg,
WV and Frederick and Hagerstown, MD. We believed that these investments would need a few years before they hit their stride. We
would need to take steps to protect ourselves into these markets. Until then, we knew that they would represent a drag on our earnings.
The decision was made that <B><U>would leverage the Company</U></B> over the course of the next few years in order to continue
delivering the rate of earnings growth which [sic] had become the norm in the Company. To accomplish this, <B><U>investments would
be made into institutional-grade trust preferred securities and loan participations</U></B>. To an extent, <B><U>these investments
would be funded with borrowings from the Federal Home Loan Bank of Atlanta</U></B> and other sources. As the financial markets
collapsed in 2008 and 2009, the investments in our trust preferred securities collapsed as well. This led to significant charges
to earnings in 2009 and 2010. The <B><U>elevated levels of loan participations</U></B>, which were also adversely impacted by the
recession, exacerbated our credit issues. &nbsp;.&nbsp;.&nbsp;. As a result of these events, <B><U>the markets pummeled the stock price to historically
low levels and the dividend was discontinued</U></B>.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>3</SUP></FONT>
(Emphasis added).</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The details of the Leverage Strategy
are found in First United&rsquo;s public filings. In 2006, First United &ldquo;purchased $45 million of investment grade corporate
bonds with a quarterly adjustable interest rate <U>and funded them with three month brokered certificates of deposits</U>.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>4</SUP></FONT>
As of December 31, 2006, trust preferred and other corporate bonds represented 18% of First United&rsquo;s securities portfolio,
3.4% of total assets and 48% of shareholders&rsquo; equity. First United again increased its bond portfolio in 2007 &ldquo;due
to the purchase of $25 million in corporate bonds during the first quarter of 2007 as part of a leverage strategy originally implemented
during the fourth quarter of 2006 and the purchase of additional securities in 2007.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>5</SUP></FONT>
As of December 31, 2007, trust preferred and other corporate bonds represented 22% of First United&rsquo;s securities portfolio,
4.6% of total assets and 64% of shareholders&rsquo; equity. The purchase of pooled trust preferred securities were part of &ldquo;fully
vetted purchase programs adopted by First United&rsquo;s Board of Directors.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>6</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In First United&rsquo;s Annual Report
on Form 10-K for the year ended December 31, 2008 (the &ldquo;2008 10-K&rdquo;), more details emerged as First United began to
experience losses related to its Leverage Strategy, noting that &ldquo;the total $46.1 million in unrealized losses reported for
corporate securities in December 31, 2008 relates to Preferred Term Securities (PreTSLs).&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>7</SUP></FONT>
First United further disclosed that:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">At December 31, 2008, [First
United] owned 26 pooled Preferred Term Securities with a par value of $72.7 million and a fair value of $24.3 million. Management
has determined that the market for these securities is currently inactive.&nbsp;.&nbsp;.&nbsp;. The market for Preferred Term Securities is virtually
non-existent at this time.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>8</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">By October 17, 2012, First United
had &ldquo;taken $30.89 million in write-offs against its original investment in PreTSL notes of approximately $75 million.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>9</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>3</SUP></FONT> 2010 Letter to Shareholders (the &ldquo;2010 Letter to Shareholders&rdquo;) available at https://www.sec.gov/Archives/edgar/vprr/1100/11006577.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>4</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 2006 (the &ldquo;2006 10-K&rdquo;), p. 32 available at https://www.sec.gov/Archives/edgar/data/763907/000114420407012641/v068318_10-k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>5</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 2007, p. 35 available at https://www.sec.gov/Archives/edgar/data/763907/000114420408014719/v106556_10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>6</SUP></FONT> Respondents&rsquo; Answer to Amended Statement of Claim, Counter-Claim, and Third Party Claim (the &ldquo;TRUPS Counter Claim&rdquo;), First United Corp. and First United Bank &amp; Trust v. FTN Financial Secur</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">-ities Corp., Hugh J. Boone, and Franklin Benjamin Kennedy, FINRA No. 120257 p. 4</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>7</SUP></FONT> 2008 10-K p. 58 available at https://www.sec.gov/Archives/edgar/data/763907/000114420409012382/v141943_10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>8</SUP></FONT> 2008 10-K p. 71 available at https://www.sec.gov/Archives/edgar/data/763907/000114420409012382/v141943_10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>9</SUP></FONT> Amended Statement of Claim, First United Corp. and First United Bank &amp; Trust v. FTN Securities Corp, FTN Capital Markets, Hugh J. Boone and Franklin Benjamin Kennedy, FINRA No. 12-02057 (the &ldquo;TRUPS Claim&rdquo;) p. 9</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Preferred Term Securities or PreTSLs
 &ldquo;are collateralized debt obligations created by pooling and securitizing trust preferred securities issued by community and
regional banks and thrifts, insurance companies and/or real estate investment trusts&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>10</SUP></FONT>
that were issued by Preferred Term Securities LTD.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>11</SUP></FONT>
PreTSLs and other pooled trust preferred securities were a major cause of losses at banks during the financial crisis.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>12</SUP></FONT>
The reason, particularly in hindsight, is obvious: &ldquo;since bank [pooled trust preferred securities] were made up mainly of
the debt of banks too small to be rated, and since these banks largely invested commercial real estate (CRE), these deals, were,
in effect, indirect investments in unrated and deeply subordinated CRE bonds.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>13</SUP></FONT>
In addition, issuers of pooled trust preferred securities generally failed to disclose the identity of the issuers of the underlying
trust preferred securities, raising &ldquo;issues about the risk management practices at banks&rdquo; who bought the pooled trust
preferred securities.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>14</SUP></FONT> In an after
the fact attempt to place the blame for losses related to pooled trust preferred securities at the feet of rating agencies, Mr.
Grant justified the purchase of First United&rsquo;s pooled trust preferred securities as follows: &ldquo;They were selected because
at the time of their purchase because they were appropriately rated for our portfolio by the rating agencies.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>15</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">By April 24, 2007, cracks had emerged
in the US real estate market, as demonstrated by the failures of a number of mortgage originators.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>16</SUP></FONT>
However, at First United&rsquo;s 2007 annual meeting of shareholders, First United&rsquo;s then Chief Risk Officer and long time
(from 1990 through the present) director, Robert Kurtz was concerned, not with the potential risk caused by a strategy of increasing
leverage through short term, wholesale borrowings to purchase trust preferred securities and loan participations, but with a more
pressing threat:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">There is a potential of a new
operational risk, that according to the professionals, is not &ldquo;if&rdquo; it occurs, but &ldquo;when&rdquo; it occurs. <B><U>I
am speaking about the Avian or Bird Flu and the potential of a pandemic</U></B>.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>17</SUP></FONT>
(Emphasis added).</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Similarly, by May 8, 2008, as issues
with trust preferred securities were becoming apparent,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>18
</SUP></FONT>Carissa Rodeheaver, then First United&rsquo;s Chief Financial Officer and currently First United&rsquo;s Chairman
and CEO, seemed unconcerned by First United&rsquo;s Leverage Strategy and its potential impacts on First United&rsquo;s financial
condition:</P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>10</SUP></FONT> Securities and Exchange Commission Administrative Order dated November 17, 2011 p. 3 available at https://www.sec.gov/litigation/admin/2011/ia-3316.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>11</SUP></FONT> See, TRUPS Claim p. 10</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>12</SUP></FONT> See, for example, Robin Sidel, &ldquo;Toxic CDOs Beset FDIC as Banks Fail,&rdquo; Wall Street Journal, May 18, 2010 available at https://www.wsj.com/articles/SB10001424052748704314904575250811941096220</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>13 </SUP></FONT>Working Paper No. 11-22 &ldquo;The Trust Preferred CDO Market: From Start To (Expected) Finish,&rdquo; Federal Reserve Bank of Philadelphia, June 2011 p. 30 available at https://www.philadelphiafed.org/-/media/research-and-data/publications/working-papers/2011/wp11-22.pdf. First United was extremely familiar with pooled trust preferred securities:<BR> &nbsp;&nbsp;&nbsp;&nbsp;First United had been investing in PreTSL notes since 2000 and had invested in PreTSL notes in connection with a similar leveraged strategy in 2002. Furthermore, First United had even issued $30 million of its own securities into previous PreTSL offerings in 2004.<BR> &nbsp;&nbsp;&nbsp;&nbsp;Respondents&rsquo; Answer to Amended Statement of Claim, Counter-Claim, and Third Party Claim (the &ldquo;TRUPS Counter Claim&rdquo;), First United Corp. and First United Bank &amp; Trust v. FTN Financial Securities Corp., Hugh J. Boone, and Franklin Benjamin Kennedy, FINRA No. 120257 p. 5</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>14 </SUP></FONT>Working Paper No. 11-22 &ldquo;The Trust Preferred CDO Market: From Start To (Expected) Finish,&rdquo; Federal Reserve Bank of Philadelphia, June 2011 p. 6 available at https://www.philadelphiafed.org/-/media/research-and-data/publications/working-papers/2011/wp11-22.pdf (noting that in purchasing pooled trust preferred securities &ldquo;banks appeared to be largely relying on ratings, contrary to sound risk management practices&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>15</SUP></FONT> Transcript of First United 2010 Annual Meeting p. 39 available at https://www.sec.gov/Archives/edgar/data/763907/000114420410026634/v184639_ex99-1.htm. Mr. Grant went on to blame the OTTI losses on the fact that &ldquo;In early 2009, the rating agencies abruptly dropped the investment ratings on these securities by several classes. This caused the market to essentially collapse in a very short time.&rdquo; Driver believes this statement represents either or both extreme disingenuity and/or a fundamental lack of understanding of both the securities bundled into pooled trust preferred securities as well as the issuers of those securities and reflects an attitude inconsistent with sound risk management principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>16</SUP></FONT> See, for example, Julie Creswell, &ldquo;New Century Files for Bankruptcy,&rdquo; New York Times, April 2, 2007 available at https://www.nytimes.com/2007/04/02/business/03lend.web.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>17</SUP></FONT> Transcript of First United 2007 Annual Meeting of Shareholders, April 24, 2007 available at https://www.sec.gov/Archives/edgar/data/763907/000114420407020283/v072376_ex99-1.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>18
</SUP></FONT>See, Zions Bancorporation, Inc. Annual Report on Form 10-K for the year ended December 31, 2007 p. 131 available
at https://www.sec.gov/Archives/edgar/data/109380/000119312508041960/d10k.htm#tx24230_3 (noting that &ldquo;unrealized losses
[on bank issued trust preferred securities] were caused mainly by the following factors: (1) widening of credit spreads for asset-backed
securities; (2) general illiquidity in the market for CDOs; (3) global disruptions in the credit markets; and (4) increased supply
of CDO secondary market securities from distressed sellers&rdquo;)</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">One of my favorite movies when
I was growing up was the children&rsquo;s classic, &ldquo;Polyanna.&rdquo; Of course, when my children were young, I bought this
movie and hoped they would enjoy it as much as I did in my youth. Being boys, they weren&rsquo;t quite as excited about the movie,
but I did borrow Pollyana&rsquo;s game which she called &ldquo;the glad game.&rdquo; The purpose of this game was to formulate
a positive, optimistic outlook on life and all of the situations that you encounter. In every situation faced, look for something
good that you can be glad about.&nbsp;.&nbsp;.&nbsp;. <U>Well, during 2007, I reminded myself many times to play the glad game</U>.
During the year, the banking industry faced compressing margins, intense competition for retail deposits, an economic downturn,
a decline of one percent in the Fed Funds rate and a crumbling housing market. Kind of hard to find much good in this picture
isn&rsquo;t it? But, as I thought about what I would present to you today, I couldn&rsquo;t help but think of all the things that
we as owners of First United Corporation have to be glad about. Aren&rsquo;t you glad that in spite of all the financial obstacles,
we had yet another profitable year for our company? Aren&rsquo;t you glad that we continue to see steady, profitable growth in
our assets? Because of this profitability, aren&rsquo;t you glad that we continued to pay a healthy dividend to our shareholders?<FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>19</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The &ldquo;glad game&rdquo; notwithstanding,
First United took a $2.7 million charge related to other-than-temporary-impairment (&ldquo;OTTI&rdquo;) regarding its trust preferred
securities in 2008,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>20</SUP></FONT> a $24.0 million
OTTI charge (that contributed to a total net loss to shareholders of $12.8 million) in 2009<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>21</SUP></FONT>
and a further $8.4 million OTTI charge (that contributed to a total net loss to shareholders of $11.8 million) in 2010.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>22</SUP></FONT>
Also in 2010, federal banking regulators required First United to suspend dividend payments on securities issued to the US Treasury
pursuant to the Troubled Asset Restructuring Program, which had the effect of requiring First United to cease paying a dividend
on its common stock.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>23</SUP></FONT> At December
31, 2019, First United continued to hold &ldquo;9 pooled trust preferred securities with an amortized cost of $18.4 million.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>24</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">At the time of her &ldquo;glad game&rdquo;
speech, Ms. Rodeheaver had an intimate knowledge of First United&rsquo;s pooled trust preferred securities portfolio, since she
implemented the Leverage Strategy and was closely involved in selecting particular securities for purchase.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>25</SUP></FONT>
Indeed, it appears that Ms. Rodeheaver had a preference for PreTSLs since they consisted of bundles of securities issued by banks
and Ms. Rodeheaver &ldquo;just fe[lt] more cozy with the banks!&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>26</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Nevertheless, the &ldquo;glad game&rdquo;
has worked out for Ms. Rodeheaver, who is now First United&rsquo;s Chairman and CEO, as well as for Mr. Kurtz, M. Kathryn Burkey,
John McCullough, Elaine McDonald, Gary Ruddell, Robert Rudy and H. Andrew Walls III, (all of whom were directors at the time the
Leverage Strategy was devised and implemented yet remain on the Board today.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Even in seeking recoveries
from securities dealers in connection with the Leverage Strategy, we believe First United&rsquo;s poor risk management practices
are manifest</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In 2012, after the value of the
PreTSLs it had bought as part of the Leverage Strategy had declined by approximately 58%, First United turned to legal action against
the securities dealer (&ldquo;FTN&rdquo;) who had sold First United the PreTSLs.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>27</SUP></FONT>
The basis of First United&rsquo;s claim was that:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">First United was not sophisticated
and had no expertise in TruPs, CDOs, PreTSL CDOs or related matters. It relied on its trusted advisors at [FTN] for advice concerning
those topics and for recommendations relating to them.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>28</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">If this claim is accurate, First
United, the Board (including current directors Kathryn Burkey, Robert Rudy, Andrew Walls, John McCullough, Robert Kurtz, Elaine
McDonald and Gary Ruddell) and current Chairman and CEO Carissa Rodeheaver increased First United&rsquo;s leverage to buy securities
<U>that they had no expertise in</U> and essentially delegated authority with respect to a material part of its balance sheet to
a third party. Indeed, with respect to the Leverage Strategy:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">First United&rsquo;s Investment
Policy was reviewed, commented on and revised by [FTN].&nbsp;.&nbsp;.&nbsp;. This reflects [FTN&rsquo;s] special role as a trusted
advisor with privileged access to First United. The Policy specifically refers to FTN by name, recognizing its special role and
providing it with extraordinary responsibility and input with respect to First United investments.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>29</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>19</SUP></FONT> Transcript of First United 2008 Annual Meeting of Shareholders, May 8 2008 available at https://www.sec.gov/Archives/edgar/data/763907/000114420408026750/v112922_ex99-1.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>20</SUP></FONT> 2008 10-K p. 23</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>21</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 2009 (the &ldquo;2009 10-K&rdquo;) p. 22 available at https://www.sec.gov/Archives/edgar/data/763907/000114420410013166/v177206_10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>22</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 2010 (the &ldquo;2010 10-K&rdquo;) p. 23 available at https://www.sec.gov/Archives/edgar/data/763907/000121390011001190/f10k2010_firstunited.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>23</SUP></FONT> 2010 10-K p. 23</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>24</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 2019 (the &ldquo;2019 10-K&rdquo;) p. 98 available at https://www.sec.gov/Archives/edgar/data/763907/000156276220000119/func-20191231x10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>25</SUP></FONT> TRUPS Counter Claim p. 6 (&ldquo;The Board-adopted plan was then implemented carefully over time by First United&rsquo;s Chief Financial Officer, who hand-picked the securities purchased by First United, often rejecting suggestions made by [FTN Securities] sales force)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>26</SUP></FONT> TRUPS Counter Claim p. 9</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>27</SUP></FONT> See, generally, TRUP Claim and TRUPS Counterclaim (describing the legal action)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>28</SUP></FONT> TRUPS Claim p. 4</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>29</SUP></FONT> TRUPS Claim p. 5</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that outsourcing
responsibility with respect to what became assets worth 64% of shareholders&rsquo; equity is not only evidence of poor risk management
but the Board&rsquo;s abdication of its fundamental role to provide oversight of First United&rsquo;s business. The facts that
Robert Kurtz, Chief Risk Officer during a period of deficient risk management, remains on the Board, Ms. Rodeheaver has been promoted
to Chairman and CEO and the Leverage Strategy Directors remain in office are all testament to the lack of accountability prevalent
at First United.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First United&rsquo;s continued
exposure to large loan participations and development loans demonstrates our belief that they have not learned from their experience
in the financial crisis and reflects what we view as poor risk management</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The losses experienced by First
United during the financial crisis were not solely the Leverage Strategy. In addition to increasing its exposure to pooled trust
preferred securities, First United increased its purchase of loan participations from other banks and continued to emphasize real
estate development lending. As recapped by Mr. Grant in First United&rsquo;s 2009 Annual Report:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">A few years ago, as we internally
assessed our income growth potential, we believed that it would likely be less than we had historically produced. To remedy this,
we undertook a course to increase our lending foot print to a degree&nbsp;.&nbsp;.&nbsp;.&nbsp;.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">As part of this strategy, we
invested in loan participations. The loan participations were targeted towards industries that were not prevalent in our existing
portfolio, such as the hospitality industry and the insurance industry.&nbsp;.&nbsp;.&nbsp;. [A]s the recession progressed, these industries,
and our loans, were negatively impacted by the economic downturn. In addition, due to the nature of our geographic foot print,
a large portion of our loan portfolio is invested in acquisition and development loans in the Deep Creek Lake area and other forms
of commercial real estate. Many of these loans are backed by long-term customers of [First United] who have felt the effects of
declining real estate valuations, slow sales and reduced consumer spending.&nbsp;.&nbsp;.&nbsp;. As a result, [First United] has experienced higher
than normal delinquencies and foreclosures.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>30</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As an example of impact of these
lending policies, during 2008, First United recorded an approximately $4.0 million specific allocations &ldquo;attributable to
a real estate and development loan in Hardy County, West Virginia and deterioration in a group of loan relationships outside of
[First United&rsquo;s] market area.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>31</SUP></FONT>
In addition, during 2008 &ldquo;additional provision expense was also recorded because the company that services a commercial loan
in which [First United] holds a participation interest failed to remit $1.2 million in principal payments made by the borrower
that were due to [First United].<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>32</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">However, from reading Mr. Grant&rsquo;s
2008 letter to shareholders, it would appear that the losses related to loan participations were solely the result of the bad actions
of third parties and not First United&rsquo;s poor risk management:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>30</SUP></FONT> Letter to Shareholders, 2009 First United Annual Report available at https://www.sec.gov/Archives/edgar/data/763907/000114420410016081/v178824_ex99-1.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>31</SUP></FONT> 2008 10-K p. 29</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>32</SUP></FONT> 2008 10-K p. 29</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">We entered the participation
market in 2006, during a time when loan demand slacked in our markets. We were able to connect with upstream correspondents and
purchase parts of loans, known as participations. The loan participations were carefully underwritten, and complied with all regulatory
standards. What we had not banked on was dealing with people who were less than honest. Bernie Madoff, it turns out, was not the
only person taking advantage during this turndown. During 2008, we charged off $3.9 million related to the fraudulent and unethical
behavior of other parties.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>33</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that there are inherent
risks to community banks in purchasing loans that other banks have originated and underwritten and that those risks include the
risk of fraud and insufficient due diligence by the originating bank&mdash;risks that should have been appropriately assessed at
the time First United began buying loan participations and not used merely as after the fact justifications for losses.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">More recently, during the first
quarter of 2019, First United disclosed that one large development loan (the &ldquo;Large A&amp;D Loan&rdquo;) had been placed
on non-accrual:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">Non-accrual loans totaled $11.6
million at March 31, 2019, compared to $4.9 million at December 31, 2018. The increase in non-accrual balances at March 31, 2019
was primarily due to entering a forbearance agreement with one large A&amp;D loan totaling $7.0 million during the quarter. At
December 31, 2018, it was expected that this loan would be paid off by a prospective buyer. In the first quarter of 2019, the buyer
declined to pursue the transaction and, subsequently, [First United] entered into a forbearance agreement and placed the loan on
non-accrual.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>34</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As of March 31, 2019, First United&rsquo;s
total acquisition and development loans were approximately $123.3 million,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>35</SUP></FONT>
so the Large A&amp;D Loan that was placed on non-accrual representing more than 5% of all First United&rsquo;s acquisition and
development loans.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Oddly enough, however, when comparing
non-accrual loans for the period ended December 31, 2019 to the prior year period, First United disclosed:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">Non-accrual loans totaled $10.8
million at December 31, 2019, compared to $4.9 million at December 31, 2018. The increase in non-accrual loans was primarily due
to one large A&amp;D loan totaling $8.0 million. This loan is a participation development loan originally booked in 2013, which
entered into a forbearance agreement in the first quarter 2019.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>36</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As of December 31, 2019, First
United&rsquo;s total acquisition and development loans totaled $117.9 million,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>37
</SUP></FONT>so the Large A&amp;D Loan (now $8 million) represented 6.7% of all First United&rsquo;s acquisition and development
loans. Assuming that the Large A&amp;D loan totaled $7.0 million when originated in 2013, it would have represented 7% of First
United&rsquo;s total current acquisition and development loans as of December 31, 2013<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>38</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>33 </SUP></FONT>Letter to Shareholders (&ldquo;2008 Letter to Shareholders&rdquo;), 2008 First United Annual Report available at https://www.sec.gov/Archives/edgar/vprr/0901/09010828.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>34</SUP></FONT> First United Quarterly Report on Form 10-Q for the quarter ended March 31, 2019 (the &ldquo;1Q19 10-Q&rdquo;) p. 16 available at https://www.sec.gov/Archives/edgar/data/763907/000114420419024252/tv520839_10q.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>35</SUP></FONT> 1Q19 10-Q p. 13</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>36</SUP></FONT> 2019 10-K p. 41</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>37</SUP></FONT> 2019 10-K p. 35</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>38</SUP></FONT> See, First United Annual Report on Form 10-K for the year ended December 31, 2013 (the &ldquo;2013 10-K&rdquo;) p. 80 available at https://www.sec.gov/Archives/edgar/data/763907/000114420414014592/v370993_10k.htm. First United&rsquo;s appetite for loan participations at that time is puzzling to Driver, since the 2013 10-K notes that in 2012, First United had recorded a $9.0 million charge off &ldquo;on a shared national credit for an ethanol plant in western Pennsylvania&rdquo; and a $1.1 million charge off for &ldquo;a hotel located in Hazelton, Pennsylvania.&rdquo; 2013 10-K p. 29.</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First United has a history
of rejecting shareholders&rsquo; requests to increase value</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">First United&rsquo;s 2006 Proxy
Statement (the &ldquo;2006 Proxy&rdquo;)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>39</SUP></FONT>
included a shareholder proposal (the &ldquo;2006 Sale Proposal&rdquo;) that the Board &ldquo;seek to improve shareholder value
by sale or merger of [First United] to another institution.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>40</SUP></FONT>
The rationale for the 2006 Sale Proposal was:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt 0.5in; text-align: justify">&ldquo;that First United is
a small fish in a small pond, both of which will show slow growth in the future. At the same time, larger institutions will enter
the area and reduce First United&rsquo;s market share. This stagnant growth will be reflected in the stock price and dividends.&rdquo;
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>41</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In recommending against the 2006
Sale Proposal,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>42</SUP></FONT> the Board asserted
that:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt 0.5in; text-align: justify">&ldquo;the basis for [the
proposal] is not grounded in reality or fact. The bulk of [the supporting statement] is made up of groundless predictions as to
what he believes the future holds for [First United]. [The proposing shareholder] has offered absolutely no support for these predictions.
Neither the Board nor [the proposing shareholder] has the ability to predict the future, and the Board believes that any assertion
by [the proposing shareholder] to the contrary is irresponsible.&rdquo; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>43</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Subsequent events, however, raise
questions as to who was more irresponsible: the Board or the proposing shareholder. As made clear in the 2008 10-K,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>44</SUP></FONT>
after the Board&rsquo;s furious response to the 2006 Sale Proposal, First United emphasized its Leverage Strategy over making loans
to customers:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">As shown below, the composition
over the three-year period from 2006 to 2008 shows a gradual increase in interest on investments and a corresponding decline in
interest and fees on loans. This shift is attributable to the leverage strategies implemented throughout 2007 and 2008.&nbsp;.&nbsp;.&nbsp;.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">% of Total Interest Income</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="width: 25%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">2008</TD>
    <TD STYLE="width: 25%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">2007</TD>
    <TD STYLE="width: 25%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">2006</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 17.2pt; padding-bottom: 12pt; padding-left: 21.35pt; text-align: justify; text-indent: 0in">Interest and fees on loans</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">78%</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">82%</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">85%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 21.7pt; padding-bottom: 12pt; padding-left: 21.35pt; text-align: justify; text-indent: 0in">Interest on investment securities </TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">22%</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">18%</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-align: center; text-indent: 0in">15%</TD></TR>
</TABLE>
<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>39</SUP></FONT> Available at https://www.sec.gov/Archives/edgar/data/763907/000114420406010793/v038157_def14a.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>40</SUP></FONT> 2006 Proxy p. 15</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>41</SUP></FONT> 2006 Proxy p. 15</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>42</SUP></FONT> Not only did the Board recommend against the Shareholder Sale Proposal, but First United sought permission from the Securities and Exchange Commission to exclude the Shareholder Sale Proposal from the 2006 Proxy on such substantive ground as: &ldquo;the [proposing shareholder] offers stockholders no definition of what he means by &lsquo;small fish&rsquo; or &lsquo;small pond.&rsquo;&rdquo; Letter, dated, December 2, 2005 from Gordon, Feinblatt, Rothman, Hoffberger &amp; Hollander, LLC to U.S. Securities and Exchange Commission, Division of Corporate Finance, Office of Chief Counsel</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>43</SUP></FONT> 2006 Proxy p. 15</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>44</SUP></FONT> 2008 10-K p. 27</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Whether due to the &ldquo;stagnant
growth&rdquo; in First United&rsquo;s markets<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>45</SUP></FONT>
referenced in the 2006 Sale Proposal or otherwise, it is clear that after repudiating the rationale for the 2006 Sale Proposal,
the Board and First United embarked on a strategy that emphasized buying securities rather than making loans to customers in their
markets. Similarly, it was the &ldquo;stagnant growth&rdquo; that caused First United to begin buying loan participations: &ldquo;We
entered the loan participation market in 2006, during a period of time when loan demand slacked in our markets.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>46</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In recommending against the 2006
Sale Proposal, the Board noted that First United&rsquo;s &ldquo;Board and management team is&nbsp;.&nbsp;.&nbsp;. completely motivated.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>47</SUP></FONT>
However, the Board&rsquo;s statement failed to indicate what the Board and management teams&rsquo; motivations were. As of March
24, 2006, William Grant, then First United&rsquo;s Chairman and CEO, owned 9,094 shares of First United stock, worth, based on
the closing price that day of $22.33,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>48</SUP></FONT>
at total of $203,069. Given that Mr. Grant&rsquo;s aggregate salary for the preceding three years was $538,681,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>49</SUP></FONT>
Driver believes that, at the time of the 2006 Sale Proposal, First United&rsquo;s management team was far more motivated by retaining
their positions than taking steps to increase shareholder value.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Of the members of the Board that,
more than fourteen years ago, &ldquo;unanimously recommend[ed] a vote against&rdquo; the 2006 Sale Proposal, Ms. Burkey, Mr. McCullough,
Mr. Rudy, Ms. McDonald and Mr. Ruddell remain on the Board. From March 24, 2006, the date of the 2006 Proxy until March 25, 2019,
the date immediately prior to Driver&rsquo;s first public call for First United to explore a sale, First United&rsquo;s common
stock has produced a negative 6.19% (-6.19%) TSR compared to a 40.50% TSR for the SNL Index for the same period.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">More recently, in addition to Driver,
two other shareholders have publicly called for First United to explore a sale.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>50</SUP></FONT>
Driver believes that neither the Board nor the First United management team has had the courtesy to contact these shareholders
to discuss their concerns.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe First United&rsquo;s
Board is entrenched</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">For some, &ldquo;entrenchment&rdquo;
refers to provisions that protect incumbent managements and boards from removal or the consequences of removal.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>51
</SUP></FONT>Other definitions are based on board tenure.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>52
</SUP></FONT>By either standard, First United and the Board are entrenched and Driver believes that such entrenchment has and
will continue to &ldquo;harm shareholders by weakening the disciplinary threat of removal and thereby increasing shirking, empire-building
and extraction of private benefits by incumbents.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>53</SUP></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>45</SUP></FONT> The population in Garrett County, First United&rsquo;s most important market by deposit share (per S&amp;P Global Market Intelligence, 33.4% of First United&rsquo;s deposit are in Garrett County) grew by 0.84% from 2000 to 2010. See 2010 census data available at https://planning.maryland.gov/MSDC/Pages/Cnty_Menu/Garr.aspx</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>46</SUP></FONT> 2008 Letter to Shareholders</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>47</SUP></FONT> 2006 Proxy p. 16</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>48</SUP></FONT> Source: S&amp;P Global Market Intelligence</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>49</SUP></FONT> 2006 Proxy p. 9</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>50</SUP></FONT> See Rangeley Capital press release dated October 1, 2019 available at https://www.businesswire.com/news/home/20191001005313/en/Rangeley-Capital-Calls-United%E2%80%99s-Board-Directors-Immediately and Johnny Guerry press release dated November 8, 2019 available at https://www.businesswire.com/news/home/20191108005644/en/Concerned-Shareholder-United-Corporation-Urges-Board-Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>51</SUP></FONT> See, Lucian Bebchuck, Alma Cohen, and Allen Farrell, &ldquo;What Matters in Corporate Governance,&rdquo; p. 6 available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=593423</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>52</SUP></FONT> See, Ric Marshall, &ldquo;Entrenched Boards: Director Tenure and Performance,&rdquo; April 2015 available at https://www.msci.com/documents/10199/2c45977b-fb6e-4f4d-859a-bb8c115d2569</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>53</SUP></FONT> Bebchuck p. 6</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">With respect to a provision based
approach to entrenchment, academics have identified six corporate governance provisions closely correlated with entrenchment. Four
of those provisions limit shareholders&rsquo; voting power&mdash;staggered boards, limits to shareholder amendments of the bylaws,
supermajority requirements for mergers and supermajority requirements for mergers&mdash;while two are provisions made in preparation
for hostile takeovers (poison pill and gold parachutes).<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>54</SUP></FONT>
First United currently has a classified board, although in 2010, the Board &ldquo;determined that it is in the best interests of
[First United] and its shareholders to eliminate the classified board structure&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>55</SUP></FONT>
and included a proposal to amend the charter to declassify the Board (the &ldquo;Charter Declassification Amendment&rdquo;) in
the 2010 Proxy Statement Unfortunately, First United also requires a supermajority shareholder vote to approve charter agreements,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>56</SUP></FONT>
and&mdash;despite five times as many votes in favor of declassifying the Board than against&mdash;the amendment did not receive
supermajority approval.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>57</SUP></FONT> Tellingly,
however, the Board has not proposed a Charter Declassification Amendment since 2010 (even though the Board has not retracted its
statement that such an amendment would &ldquo;be in the best interests&rdquo; of First United and its shareholders), suggesting
to Driver that the Board is more than comfortable with the protections afforded it by a classified structure. Finally, First United&rsquo;s
bylaws may only be amended by the Board, without any requirement of shareholder approval.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>58</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">MSCI, a well-known investment research
firm, defines entrenched boards as those that are comprised of long-tenured and aging directors<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>59</SUP></FONT>
and uses the four separate criteria set forth below to evaluate board entrenchment:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%"><B>Test<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>60</SUP></FONT></B></TD>
    <TD STYLE="width: 64%; padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%"><B>First United<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>61</SUP></FONT></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">More than 35% of the board has a tenure greater than 15 years.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">45% of the Board has a tenure greater than 15 years (54% including Ms. Burkey who has been on the Board since 2005).</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">More than 22% of the board has a tenure greater than 15 years AND more than 15% of the directors are over 70 years old.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">45% of the Board has a tenure greater than 15 years (54% including Ms. Burkey who has been on the Board since 2005) AND 27% (36% assuming Mr. McCullough has turned 70 since the date of the 2019 Proxy Statement) of the directors are over 70 years old.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">There are more than 4 directors whose tenure is greater than 15 years.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">5 directors&rsquo; (six including Ms. Burkey) tenure is greater than 15 years.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">There are more than 4 directors who are over 70 years old.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 5.4pt; text-align: justify; line-height: 107%">3 directors (4 including Mr. McCullough) are over 70 years old.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I></I></B></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>54</SUP></FONT> Bebchuck p. 2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>55 </SUP></FONT>First United 2010 Proxy Statement (the &ldquo;2010 Proxy Statement&rdquo;) p. 37 available at https://www.sec.gov/Archives/edgar/data/763907/000114420410016056/v178407_def14a.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>56</SUP></FONT> See, 2010 Proxy Statement p. 38 (&ldquo;the adoption of the Charter amendment requires the affirmative vote of shareholders holding at least two-thirds of all outstanding shares of common stock entitled to be voted at the annual meeting&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>57
</SUP></FONT>First United Current Report on Form 8-K dated May 13, 2010 available at https://www.sec.gov/Archives/edgar/data/763907/000121390010002194/f8k051310a1_firstunited.htm.
Out of 6,158,650 shares of First United common stock outstanding on July 31, 2010, 3,699,727 (or 60.7%) voted in favor of adopting
the Charter Declassification Amendment&mdash;401,933 votes short of the required two-thirds vote for approval. By contrast, of
the five director nominees up for election that year, Ms. Burkey, who received the most for votes of any nominee, received only
2,524,377 &ldquo;for&rdquo; votes, representing only approximately 41% of First United&rsquo;s outstanding common stock. Two director
nominees, Richard Stanton and Robert Rudy received more &ldquo;withheld&rdquo; votes (915,287 and 741,520, respectively) than
there were &ldquo;against&rdquo; votes for the Charter Declassification Amendment (733,076).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>58</SUP></FONT> See, Article VII, Amendment of Bylaws, First United Corporation Bylaws as Amended and Restated on December 17, 1997 available at https://www.sec.gov/Archives/edgar/data/763907/000114420408014719/v106556_ex3-2i.htm (&ldquo;The Board of Directors shall have the full power to amend, alter or repeal these Bylaws, or any provision thereof, and may from time to time make additional Bylaws, upon the approval thereof by a majority of the Board&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>59</SUP></FONT> Marshall p. 4</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>60</SUP></FONT> Marshal p. 14</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>61</SUP></FONT> First United&rsquo;s 2019 Proxy Statement (the &ldquo;2019 Proxy Statement&rdquo;) available at https://www.sec.gov/Archives/edgar/data/763907/000114420419015122/tv516747_def14a.htm</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Ms. Rodeheaver has clear conflicts
of interest in assessing a sale or other transaction that would increase shareholder value but put her position at risk</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Ms. Rodeheaver has clear conflicts
of interest in assessing whether a sale would be in the best interests of shareholders. Most importantly, Ms. Rodeheaver has a
greater economic interest in her job than in the shares of First United stock that she owns. Set forth below is a chart that compares,
for each year that Ms. Rodeheaver has appeared as a named executive officer in First United&rsquo;s proxy statement, her total
compensation that year to the value of her First United share ownership on the date of the proxy statement:<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>62</SUP></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Year</FONT></TD>
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Total Compensation</FONT></TD>
    <TD STYLE="width: 9%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Shares Owned</FONT></TD>
    <TD STYLE="width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Date of Proxy</FONT></TD>
    <TD STYLE="width: 9%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">FUNC Stock Price</FONT></TD>
    <TD STYLE="width: 12%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Value of Stock on Date of Proxy</FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Total Compensation/Value of stock</FONT></TD>
    <TD STYLE="width: 13%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Title</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2019</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$399,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">15,563</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/13/20</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$16.16</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$251,498.08</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">159.04%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">CEO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2018</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$393,505</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">9,165</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/25/19</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$16.80</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$153,972.00</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">255.57%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">CEO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2017</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$375,248</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">9,138</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/26/18</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$18.95</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$173,165.10</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">216.70%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">CEO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2016</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$339,534</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">6,215</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/27/17</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$14.30</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$88,874.50</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">382.04%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">CEO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2015</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$259,348</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">6,215</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/28/16</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$11.21</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$69,670.15</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">372.25%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">President &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2014</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$228,728</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,215</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/27/15</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$8.53</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$10,363.95</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2,206.96%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">President &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2013</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$209,924</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,215</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/28/14</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$7.98</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$9,695.70</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2,165.12%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">President &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$196,428</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,215</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/25/13</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$8.62</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$10,473.30</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,875.51%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">President &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$191,463</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,216</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/26/12</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$5.80</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$7,052.80</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2,714.71%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">EVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$188,737</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,216</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/25/11</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$3.09</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$3,757.44</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">5,023.02%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">EVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2009</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$259,131</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,214</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/26/10</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$5.99</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$7,271.86</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3,563.48%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">EVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2008</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$289,383</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,798</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/27/09</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$8.13</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$14,617.74</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,979.67%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">EVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2007</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$216,914</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,055</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">4/4/08</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$18.97</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$20,013.35</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,083.85%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">SVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">2006</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$188,239</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,045</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">3/23/07</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$22.65</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">$23,669.25</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">795.29%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">SVP &amp; CFO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Mean as CEO</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">253.34%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Mean as NEO</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">1,628.09%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>62</SUP></FONT> Information for 2019 is from the 2019 10-K. Market data is per S&amp;P Global Market Intelligence</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that it is worth
noting that Ms. Rodeheaver&rsquo;s stock ownership increased 69% from the date of First United&rsquo;s 2019 Proxy Statement, but
only after Driver began to call attention to Ms. Rodeheaver&rsquo;s negligible levels of stock ownership.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>63</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Aside from the economic reality
that Ms. Rodeheaver&rsquo;s job is worth more to her than her shares of First United stock, Driver believes that Ms. Rodeheaver
has a significant interest in maintaining her position. We note that Ms. Rodeheaver also holds senior leadership positions at
industry trade and lobbying groups: in 2019, not only was Ms. Rodeheaver elected as Chair of the Maryland Bankers Association,<SUP>64
</SUP>but she was also elected to the board of the American Bankers Association.<SUP>65</SUP> Despite repeated requests by Driver,<SUP>66
</SUP>neither First United nor Ms. Rodeheaver has been willing to explain what benefits shareholders derive from Ms. Rodeheaver
service on the board of either of the Maryland Bankers Association or the American Bankers Association, why it is necessary for
her to serve on two bankers association boards simultaneously and the extent to which First United reimburses or pays Ms. Rodeheaver&rsquo;s
expenses incurred in connection with any bankers association. Driver believes that the true benefit of Ms. Rodeheaver&rsquo;s
service on the boards of the Maryland and American bankers associations is to increase her status in the world of community bankers
and that benefit would be in jeopardy in the event First United were sold and she were no longer CEO.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>By remaining committed to
a combined Chairman/CEO role, we believe First United is inhibiting the proper function of its Board </I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As many commentators have observed,
management and a board of directors play two different but complementary roles within a corporation, but that complementary relationship
can be jeopardized by combining the chairman and CEO roles:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">The roles of management and
the board are very different. Management runs the company while the board provides oversight and&mdash;hopefully&mdash;holds the
management team accountable for its performance. Remember, the CEO works for the board. The board does not work for the CEO&mdash;but
when the CEO is also the chair, it kind of does.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>67</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Similarly, a leading proxy advisory
firm has noted:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">It can be difficult for a board
to fulfill its role as overseer and policy setter when a CEO/chair controls the agenda and the boardroom discussion. Such control
can allow a CEO to have an entrenched position, leading to longer than optimal terms, fewer checks on management, less scrutiny
of business operation and limitations on independent, shareholder-focused goal setting by the board.&nbsp;.&nbsp;.&nbsp;. Likewise,
an independent chair can better oversee executives and set a pro-shareholder agenda without the management conflicts that a CEO
and other executive insiders often face. Such oversight and concern for shareholders allows for a more proactive and effective
board of directors that is better able to look out for the interests of shareholders.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>68</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>63</SUP></FONT> See, Notice of Exempt Solicitation dated March 26, 2019 available at https://www.sec.gov/Archives/edgar/data/763907/000147793219001166/dmc_px14a6g.htm (noting that &ldquo;given Ms. Rodeheaver&rsquo;s exceptionally low level of ownership of FUNC&rsquo;s stock and the fact that she has pledged a substantial amount of those shares to secure a loan, extremely serious doubts exist as to whether Ms. Rodeheaver&rsquo;s interests are aligned with those of all FUNC shareholders&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>64</SUP></FONT> See, &ldquo;Rodeheaver to head Bankers Association,&rdquo; Cumberland Times-News, June 9, 2019 available at https://www.times-news.com/news/business/rodeheaver-to-head-bankers-association/article_bbcf20b5-9b69-5aac-8bfd-0a1c9709b82e.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>65</SUP></FONT> https://www.aba.com/about-us/press-room/press-releases/aba-elects-officers-board-for-2019-2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>66</SUP></FONT> See, Letter to John McCullough dated November 6, 2019 available at https://www.sec.gov/Archives/edgar/data/763907/000147793219006274/func_ex991.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>67</SUP></FONT> Jack Milligan, &ldquo;The Case for Appointing an Independent Chair,&rdquo; October 25, 2019 available at https://www.bankdirector.com/committees/governance/the-case-for-appointing-an-independent-chair/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>68</SUP></FONT> Glass-Lewis 2020 United States Policy Guidelines, p 5 available at https://www.glasslewis.com/wp-content/uploads/2016/11/Guidelines_US.pdf</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Not only does First United have
a combined Chairman/CEO role in practice, but that combination is a matter of policy<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>69</SUP></FONT>
that appears not to have been reviewed since 2011.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>70</SUP></FONT>
Based on Driver&rsquo;s review of the rationale given by First United to combine these roles in its 2019 Proxy Statement, First
United appears to offer two justifications for this practice. First, the &ldquo;Strong Leader Rationale&rdquo;, &ldquo;by having
one person serve as both Chairman and CEO, the Board believes that [First United] demonstrates to shareholders, customers, employees,
vendors, regulators and other stakeholders that [First United] is under strong leadership, with a single individual setting the
tone and having primary responsibility for managing and leading [First United].&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>71</SUP></FONT>
The Second (the &ldquo;We Have Always Done It This Way Rationale&rdquo;) is as follows:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">The governance of [First United]
through a combined Chairman and CEO is appropriate in light of the strength and experience of the Chairman/CEO. Since the beginning,
[First United] has had very experienced individuals in this role.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>72</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">With respect to the Strong Leader
Rationale, having a combined Chairman/CEO for the express purpose of having a single person essentially in charge of First United
is, in Driver&rsquo;s opinion, directly contrary to the notion of board oversight. In Driver&rsquo;s view, the Strong Leader Rationale
is predicated upon (and promotes) a dominant Chairman/CEO with a complacent Board to rubber-stamp her decisions&mdash;a Board made
up (in Warren Buffet&rsquo;s words) of cocker spaniels.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>73</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As to the We Have Always Done It
This Way Rationale, Ms. Rodeheaver&rsquo;s immediate predecessor was Mr. Grant, who was responsible for the Leverage Strategy as
well as First United&rsquo;s increased purchase of loan participations. Driver believes that the losses sustained by First United
shareholders in the aftermath of the Financial Crisis might well have been significantly less had an independent chair and strong
board with a commitment to prudent risk management been able to temper Mr. Grant&rsquo;s desire to grow First United&rsquo;s earnings
beyond what the markets allowed.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">From June 1, 1996, when Mr. Grant
was appointed First United&rsquo;s Chairman and CEO, <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>74</SUP></FONT>
until his retirement effective December 31, 2015, First United produced a TSR of 41.13% compared to 441.90% for the SNL Index.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>75</SUP></FONT>
Given that First United underperformed a relevant index by more than ten times during Mr. Grant&rsquo;s tenure, Driver believes
the We Have All Ways Done It This Way Rationale is spurious reasoning at best. Similarly, with respect to Mr. Grant&rsquo;s predecessor,
Richard Stanton, from September 3, 1992, the day that First United&rsquo;s common stock began trading on Nasdaq, until his retirement
on June 1, 1996, First United produced a TSR of 71.18% compared to 108.58% for the SNL Index.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>76</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First United&rsquo;s Lead
Director is a poor substitute for an independent Chair</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As part of its justification for
a combined Chairman/CEO role, First United relies on the existence of a Lead Director:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify">To strengthen the Board&rsquo;s
oversight of corporate governance issues, the Board appoints a Lead Director who is responsible for facilitating the resolutions
of issues relating to the performance of the Chairman and CEO and other members of management, or any other issue that a Director,
an officer or an employee believes should be addressed by someone other than the Chairman and CEO. Because the Nominating Committee
is charged with overseeing corporate governance matters, the Board believes that it is most appropriate to appoint the Chairman
of the Nominating Committee as the Lead Director. John McCullough is the current Chairman of the Nominating Committee and, thus,
the Lead Director.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>77</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>69 </SUP></FONT>See, First United Corporation Corporate Governance Guidelines available at http://investors.mybank.com/Cache/IRCache/60fc1338-03a2-2e39-daab-00309399ed99.PDF?O=PDF&amp;T=&amp;Y=&amp;D=&amp;FID=60fc1338-03a2-2e39-daab-00309399ed99&amp;iid=100525 (stating &ldquo;the role of Chairman and CEO will remain combined&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>70</SUP></FONT> See, First United Corporation Nominating &amp; Governance Committee Charter available at http://investors.mybank.com/Cache/IRCache/385c588f-e394-c3c6-cafa-0b9af9fc8cfa.PDF?O=PDF&amp;T=&amp;Y=&amp;D=&amp;FID=385c588f-e394-c3c6-cafa-0b9af9fc8cfa&amp;iid=100525 (stating &ldquo;the Nominating &amp; Corporate Governance Committee acknowledges that, in 2011, it completed a detailed study of the issue of separating the roles of Chair and CEO, deciding to retain the combined role at that time&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>71</SUP></FONT> First United 2019 Proxy Statement (the &ldquo;2019 Proxy Statement&rdquo;) p. 11 available at https://www.sec.gov/Archives/edgar/data/763907/000114420419015122/tv516747_def14a.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>72</SUP></FONT> 2019 Proxy Statement p. 13</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>73</SUP></FONT> See 2019 Letter to Shareholders of Berkshire Hathaway, Inc. p. 13 available at https://www.berkshirehathaway.com/letters/2019ltr.pdf (noting &ldquo;When seeking directors, CEOs don&rsquo;t look for pit bulls. It&rsquo;s the cocker spaniel that get taken home.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>74</SUP></FONT> First United Annual Report on Form 10-K for the year ended December 31, 1996 p. 40 available at https://www.sec.gov/Archives/edgar/data/763907/0000763907-96-000001-index.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>75</SUP></FONT> Source: S&amp;P Global Market Intelligence</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>76</SUP></FONT> Source: S&amp;P Global Market Intelligence</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>77</SUP></FONT> 2019 Proxy Statement p.11</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver has been publicly calling
for First United to explore a sale since March 26, 2019 and, during that time, has raised numerous questions regarding the adequacy
of First United&rsquo;s corporate governance, directors&rsquo; conflicts of interests and the Chairman and CEO&rsquo;s motivations,
all of which would seem to be issues to be &ldquo;addressed by someone other than the Chairman and CEO,&rdquo; yet Mr. Cooper was
not afforded an opportunity to speak to Mr. McCullough directly and outside the presence of Ms. Rodeheaver until March 13, 2020.
Two other First United shareholders have also publicly called for First United to explore a sale;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>78</SUP></FONT>
Driver is unaware of any attempt by Mr. McCullough, in his capacity as Lead Director, to contact either shareholder to discuss
their concerns. Furthermore, Driver is unaware of any discussions whatsoever between Mr. McCullough and any shareholder regarding
First United&rsquo;s strategic direction or corporate governance.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that its engagement
with First United since March 26, 2019 illustrates both why a combined Chairman/CEO role is inappropriate at First United and
why a lead director is an insufficient substitute for an independent Chair. Driver has called for First United to explore a sale&mdash;an
event that would likely put Ms. Rodeheaver&rsquo;s personal interest in remaining as CEO at risk&mdash;yet, as far as Driver can
tell, Ms. Rodeheaver has spearheaded First United&rsquo;s response to Driver and other shareholders calls for a sale, despite
her clear conflicts of interest.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe First United&rsquo;s
self-serving &ldquo;strategic reviews&rdquo; are an affront to shareholders</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">On February 11, 2020, First United
announced that &ldquo;over the past eight months First United has completed three strategic review processes with two independent
financial advisors, all with consistent results.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>79</SUP></FONT>
Driver believes that the three strategic review processes (the &ldquo;Strategic Reviews&rdquo;) are and were transparent attempts
by First United to avoid exploring a sale for three reasons. First, as First United states, its &ldquo;current strategy&rdquo;
is &ldquo;remaining independent.&rdquo; Driver believes that independence is not a strategy but should be the result of delivering
shareholders greater value than might be obtained in a sale. By so clearly positing that an outcome&mdash;independence&mdash;is
their strategy, Driver believes that it is abundantly clear that the Strategic Reviews were undertaken (and implemented in a way)
to justify that desired outcome, rather than to determine what option among many might generate the greatest shareholder value.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Second, it does not appear that
any potential indications of interest were solicited from potential buyers. Indeed, Driver believes that the &ldquo;two independent
financial advisors&rsquo; were expressly instructed not to solicit such indications of interest. Given that three (including Driver)
shareholders had publicly called for First United to explore a sale and that Driver believes that multiple other financial institutions
would have an interest in acquiring First United, Driver believes it is disingenuous in the extreme for First United to claim
to have &ldquo;determined that a sale of First United would not be in the best interests of [First United&rsquo;s] shareholders&rdquo;
without first exploring what potential buyers might pay for First United.</P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>78</SUP></FONT> See Rangeley Capital press release dated October 1, 2019 available at https://www.businesswire.com/news/home/20191001005313/en/Rangeley-Capital-Calls-United%E2%80%99s-Board-Directors-Immediately and Johnny Guerry press release dated November 8, 2019 available at https://www.businesswire.com/news/home/20191108005644/en/Concerned-Shareholder-United-Corporation-Urges-Board-Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>79</SUP></FONT> First United press release dated February 11, 2020 available at https://www.sec.gov/Archives/edgar/data/763907/000110465920016122/tm207517d1_ex99-1.htm</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Indeed, First United&rsquo;s press
release announcing the Strategic Reviews (the &ldquo;Strategic Review Press Release&rdquo;) is striking in its failure to provide
material information about the Strategic Reviews to shareholders. Among other material omissions, the Strategic Review Press Release
fails to disclose: (i) what strategic alternatives were considered; (ii) any details regarding First United&rsquo;s current strategy
(other than &ldquo;remaining independent&rdquo;); (iii) the assumptions used regarding First United&rsquo;s future performance,
trading multiples and other factors relevant to the financial advisors&rsquo; analysis; (iv) the types of analyses utilized by
the financial advisors; (v) the limits of any review; (vi) how the two financial advisors were selected and the extent of their
other relationships with First United and the Board; (vii) the compensation paid to the two financial advisors; and (viii) the
specific &ldquo;shareholder feedback&rdquo; considered by the Board.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Third, First United notes that the
Board &ldquo;unanimously determined that continuing to execute [First United&rsquo;s] strategy of remaining independent was in
the shareholders best interest [sic],&rdquo; &ldquo;the Board again unanimously concluded&nbsp;.&nbsp;.&nbsp;. that executing on [First United&rsquo;s]
current strategy rather than pursuing a sale, is in the best interests of [First United&rsquo;s] stakeholders&rdquo; and &ldquo;the
entire Board has been continuously engaged in the Strategic Reviews for the better part of the past eight months.&rdquo; Given
Ms. Rodeheaver&rsquo;s clear conflict of interests, Driver believes that it would be inappropriate for her to participate in any
honest strategic review of First United&rsquo;s alternatives. Indeed, given what Driver believes to be First United&rsquo;s culture
and practice of a strong-willed Chairman/CEO and a compliant Board, Driver believes that Ms. Rodeheaver&rsquo;s participation in
the Strategic Reviews is clear evidence that such Strategic Reviews were nothing but a sham and charade.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe that continuing
to nominate Mr. Kurtz for director and his continued membership on the Audit Committee reflects poor corporate governance</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Mr. Kurtz has been a director since
1990 and currently serves as member of the Board&rsquo;s audit committee. Mr. Kurtz was most recently nominated for director in
2018, when the &ldquo;specific experience, qualifications, other attributes and skills&nbsp;.&nbsp;.&nbsp;. that led the Nominating Committee
to determine that [Mr. Kurtz] should serve on the Board of Directors&rdquo; consisted of the following: &ldquo;Robert W. Kurtz
has 37 years of banking experience through his service as past President, Chief Risk Officer, and Chief Financial Officer [of First
United], as well as through his service as a Director of [First United] since 1990.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>80</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Given Mr. Kurtz&rsquo;s role as
Chief Risk Officer&mdash;and the clear lapse of effective risk management&mdash;during the period when the Leverage Strategy was
designed and implemented, Driver believes that Mr. Kurtz&rsquo;s experience as First United&rsquo;s Chief Risk Officer should disqualify
him for service as a director and that the Nominating Committee&rsquo;s continued nomination of Mr. Kurtz reflects a culture of
cronyism that pervades the Board&mdash;a culture that appears premised on Sam Rayburn&rsquo;s famous aphorism that &ldquo;the people
who get along the best, go along the most&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>81</SUP></FONT>
and that diminishes any individual or collective accountability.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe that continuing
to nominate Kathryn Burkey, Robert Rudy, Elaine McDonald and Gary Ruddell for director reflects poor corporate governance</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Each of Ms. Burkey, Mr. Rudy, Ms.
McDonald and Mr. Ruddell have been on the Board since at least 2005 or earlier or, in the case of Mr. Rudy (since 1992) and Ms.
McDonald (since 1995), much earlier. All were on the Board during the design and implementation of the Leverage Strategy. Driver
does not believe that any of these individuals possess any special expertise or experience that would justify their exceeding
long service on the Board and believes that their continued presence on the Board reflects a culture of cronyism that is detrimental
to shareholders&rsquo; best interests.</P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>80</SUP></FONT> First United&rsquo;s 2018 Proxy Statement (the &ldquo;2018 Proxy Statement&rdquo;) p. 7 available at https://www.sec.gov/Archives/edgar/data/763907/000114420418015888/tv488965_def14a.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>81</SUP></FONT> See, Dan Balz, &ldquo;Master In His House,&rdquo; Washington Post, May 24, 1987 available at https://www.washingtonpost.com/archive/entertainment/books/1987/05/24/master-in-his-house/6520e8fa-91de-4b94-a141-3ed2408623d9/</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe that continuing
to nominate Andrew Walls for director reflects poor corporate governance</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Andrew Walls has been a director
since 2006 and, since then, in addition to the $515,492 he has received in directors&rsquo; fees,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>82</SUP></FONT>
Morgantown Printing &amp; Binding, &ldquo;a corporation owned by H. Andrew Walls and a trust established for the benefit of his
minor children,&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>83</SUP></FONT> has received
$4,320,832 in fees from First United. As of February 28, 2020, Mr. Walls beneficially owned 57,106 shares of Common Stock worth,
based on the closing price of the Common Stock on [March 20, 2020] of $12.77, $729,243. Driver believes that the value to Mr. Walls
of continuing to extract fees from First United creates an obvious conflict of interest</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>We believe that continuing
to nominate John McCullough for director and his continued service as chairman of the Nominating and Governance Committee reflects
poor corporate governance</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Mr. McCullough has been a director
since 2004 and Driver believes that he is deeply enmeshed in the Board&rsquo;s pervasive culture of cronyism. More importantly
as Lead Director and chairman of the Nominating and Governance Committee, Driver believes that Mr. McCullough is charged with ensuring
that nominees for director will serve in the best interests of shareholders, that First United will adopt and implement corporate
governance practices that safeguard shareholders rights and ensure the Board is able to effectively oversee management and chart
First United&rsquo;s strategic direction and, finally, serve as conduit between shareholders and the Board when the Chairman/CEO
has a conflict of interest. Driver believes that Mr. McCullough has resolutely failed to adequately discharge any of these vital
responsibilities and, instead, has affirmatively abdicated any of the duties of his position.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First United has a history
of nepotism</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Despite being a publicly traded
company, family relationships have been prevalent at First United, calling into question, in Driver&rsquo;s view, the motivations
of many members of the Board and management team. The 1993 10-K (which is one of the earliest of First United&rsquo;s filings
with the SEC available on EDGAR), reflects that &ldquo;William B. Grant, Executive Vice President and Secretary, is the son of
Director B.L. Grant.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>84</SUP></FONT> Dr.
Grant served as a member of the Executive Committee of the Board, whose responsibilities included, &ldquo;supervising [First United&rsquo;]
CEO, monitoring the performance of [First United] and its subsidiaries, recommending changes to [First United&rsquo;s] and subsidiaries&rsquo;
personnel policies, serving as a director nomination committee.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>85
</SUP></FONT>As of December 31, 1993, Dr. Grant owned shares representing 0.7% of First United&rsquo;s outstanding common stock
and Mr. Grant owned shares representing 0.06% of First United&rsquo;s outstanding common stock.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>86
</SUP></FONT>Dr. Grant retired from the Board as of First United&rsquo;s 1995 annual meeting of shareholders,<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>87
</SUP></FONT>the same meeting at which his son was elected to the Board.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>88</SUP></FONT></P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>82</SUP></FONT> Based on &ldquo;Total&rdquo; figures given for Director Compensation in First United&rsquo;s proxy and 10-K filings</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>83</SUP></FONT> 2019 10-K p. 125</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>84</SUP></FONT> 1993 10-K p.9</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>85</SUP></FONT> 1993 10-K p. 74</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>86</SUP></FONT> 1993 10-K p. 70</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>87</SUP></FONT> Dr. Grant remained a director emeritus for the following two years, during which time he attended committee and other meeting. See, First United 1996 Proxy Statement p.4 available at https://www.sec.gov/Archives/edgar/data/763907/0000763907-96-000002.txt (noting that Dr. Grant was a non-voting member of the Asset and Liability Management Committee and Strategic Planning Committee). It is unclear whether Dr. Grant received compensation as a director emeritus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>88</SUP></FONT> First United 1995 Proxy Statement p. 4 available at https://www.sec.gov/Archives/edgar/data/763907/0000763907-95-000007.txt</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">First United&rsquo;s Annual Report
on Form 10-K for the year ended December 31, 1997 (the &ldquo;1997 10-K&rdquo;) notes that &ldquo;Director Frederick A. Thayer
III is the father of Senior Vice President Frederick A. Thayer IV. Director I. Robert Rudy is the brother of Senior Vice President
Jeanette Rudy Fitzwater.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>89</SUP></FONT>
First United&rsquo;s 1998 Proxy Statement (the &ldquo;1998 Proxy&rdquo;) indicates that Mr. Thayer owned shares representing 0.7%
of First United&rsquo;s outstanding shares of common stock and Mr. Rudy owned shares representing 0.45% of First United&rsquo;s
outstanding common stock.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>90</SUP></FONT> Mr. Rudy
remains a member of the Board and, as of February 29, 2020, owns shares representing 0.56% of First United&rsquo;s outstanding
common stock.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>91</SUP></FONT> As of March 27, 1998,
Mr. Rudy owned 28,373 shares of First United common stock. After more than twenty years as a member of the Board, as of February
29, 2020, Mr. Rudy owned 40,368 shares of First United common stock: an increase of 11,995 shares, worth, based on the average
price of First United&rsquo;s stock of $14.43<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>92</SUP></FONT>
during that period, $173,087. For the years 1998 through 2019, Mr. Rudy received an aggregate of $574,971 in total compensation
for his service as a director.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>93</SUP></FONT>
Mr. Rudy&rsquo;s sister, Ms. Fitzwater, remained employed with First United at least through March 30, 2016.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>94</SUP></FONT>
Beginning in 1998, Mr. Rudy served on the Board&rsquo;s Executive Committee, whose mandate (until 2002<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>95</SUP></FONT>)
included &ldquo;recommending to the Board a compensation policy for the CEO and other executive offices of the Company.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>96</SUP></FONT>
Ms. Fitzwater is listed as an &ldquo;executive officer&rdquo; in the 1997 10-K.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>97</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">First United&rsquo;s 2000 Proxy
Statement (the &ldquo;2000 Proxy Statement&rdquo;) discloses that, in addition to Mr. Thayer&rsquo;s son and Mr. Rudy&rsquo; sister,
 &ldquo;Director Karen F. Myers is a first cousin to Senior Vice President Philip D. Frantz.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>98</SUP></FONT>
As of the date of the 2000 Proxy Statement, Ms. Myers owned shares representing 0.11% of First United&rsquo;s outstanding common
stock.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">First United&rsquo;s 2014 Proxy
Statement (the &ldquo;2014 Proxy&rdquo;) notes that Brian Boal was &ldquo;recommended to the Nominating Committee for nomination
by a non-management director.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>99</SUP></FONT>
The 2014 Proxy also notes that &ldquo;Director nominee Brian R. Boal is the nephew of director Robert W. Kurtz.&rdquo;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>100</SUP></FONT>
Mr. Kurtz was not a member of First United&rsquo;s management at that time having retired effective December 15, 2009.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>101</SUP></FONT>
As of the date of the 2014 Proxy Statement, Mr. Kurtz, a director since 1990, owned shares representing 0.13% of the outstanding
shares of First United common stock, worth $62,479.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>102</SUP></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that relatives of
Ms. Rodeheaver are currently employed by First United and has requested that First United provide details regarding the number
of Ms. Rodeheaver&rsquo;s relatives who are currently employed by First United.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>103</SUP></FONT>
Driver believes that shareholders are entitled to understand the full extent of Ms. Rodeheaver&rsquo;s relationship with First
United (including the extent to which First United employs her relatives) in order to gauge the depth and breadth of potential
conflicts of interest. First United has not responded to any of Driver&rsquo;s requests for information related to the employment
of Ms. Rodeheaver&rsquo;s relatives.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Driver believes that First
United needs significant and urgent change on the Board</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver believes that a culture
of cronyism pervades the Board and that culture has and will continue to damage shareholder value. Driver further believes that
the only way to eradicate this pervasive culture of cronyism is to elect independent directors with no connection to either First
United&rsquo;s management team or Board and who will bring an objective perspective to the issues facing First United.</P>

<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>89</SUP></FONT> 1997 10-K p. 40 available at https://www.sec.gov/Archives/edgar/data/763907/0000763907-98-000012.txt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>90 </SUP></FONT>1998 Proxy p. 2 available at https://www.sec.gov/Archives/edgar/data/763907/0001014100-98-000042.txt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>91</SUP></FONT> 2019 10-K p. 124 available at https://www.sec.gov/Archives/edgar/data/763907/000156276220000119/func-20191231x10k.htm#Item_12_Security_Ownership_Of_Certain_Be</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>92</SUP></FONT> Source: S&amp;P Global Market Intelligence</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>93</SUP></FONT> Source: Company filings. Aggregate compensation based on First United&rsquo;s disclosure of total director compensation. For the years, 1999-2005, specific compensation figures are not disclosed and compensation is based on $10,000 annual retainer paid in 2005, $8,500 annual retainer paid in 2004, 2003 and 2002 and $7,500 annual retainer paid in 2001, 2000 and 1999.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>94</SUP></FONT> See, First United&rsquo;s 2016 Proxy Statement p. 16 available at https://www.sec.gov/Archives/edgar/data/763907/000114420416091544/v435701_def14a.htm (noting that Ms. Fitzwater serves as Senior Vice President and Director of Corporate Services and listing positions occupied at First United since 1994)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>95</SUP></FONT> In 2002, the Board formed a compensation committee. See, First United 2003 Proxy Statement p. 5 available at https://www.sec.gov/Archives/edgar/data/763907/000101410003000108/cor1947.txt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>96</SUP></FONT> First United 1999 Proxy Statement p. 5 available at https://www.sec.gov/Archives/edgar/data/763907/0001014100-99-000054.txt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>97</SUP></FONT> 1997 10-K p. 46</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>98</SUP></FONT> 2000 Proxy Statement p. 4 available at https://www.sec.gov/Archives/edgar/data/763907/000101410000000018/0001014100-00-000018.txt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>99</SUP></FONT> 2014 Proxy Statement p. 6 available at https://www.sec.gov/Archives/edgar/data/763907/000114420414018475/v372618_def14a.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>100</SUP></FONT> 2014 Proxy Statement p. 14</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>101 </SUP></FONT>Mr. Kurtz retired as President of Chief Risk Officer of First United effective December 15, 2009 and entered into a consulting agreement &ldquo;pursuant to which Mr. Kurtz will make himself available on a limited basis through April 30, 2010 for the purpose of providing various transition and support services as and when requested by the Corporation and the Bank&rdquo; in return for a lump sum payment of $22,500. See, First United&rsquo;s Current Report on Form 8-K dated December 3, 2009 available at https://www.sec.gov/Archives/edgar/data/763907/000121390009003563/f8k120309_firstunited.htm. Prior to his retirement as President and Chief Risk Officer, First United disclosed a net loss of $3.1 million for the nine months ended September 30, 2009, primarily due to $10.8 million in OTTI charges. See, First United Third Quarter Earnings Release (the &ldquo;3Q09 Release&rdquo;) dated November 6, 2009 available at https://www.sec.gov/Archives/edgar/data/763907/000114420409058307/v165662_ex99-2.htm. The 3Q09 Release noted that:<BR> <BR> Much of our OTTI stems from deterioration of quality within our trust preferred securities portfolio. These investments, which were investment grade at the time of acquisition, are supported by underlying debt obligations of several financial institutions. A number of these institutions have been adversely impacted by the recession and have either defaulted under or deferred the payment of interest under the debt obligations. It is possible that the continuation or worsening of the current economic recession could cause currently performing institutions to likewise default or defer payments, which could result in further credit losses in these investments.<BR> <BR> The trust preferred securities were acquired as part of the Leverage Strategy and, as Chief Risk Officer, Mr. Kurtz was presumably charged with monitoring risks associated with that strategy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>102</SUP></FONT> Based on the closing price for First United&rsquo;s stock of $7.60 on March 28, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>103 </SUP></FONT>See, Letter to First United directors dated December 17, 2019 available at https://www.sec.gov/Archives/edgar/data/763907/000092189519003014/ex992to13da1212447002_121219.htm</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Driver&rsquo;s Nominees are
highly qualified and have significant relevant expertise</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver&rsquo;s Nominees&mdash;Dr.
Michael Driscoll, Ms. Lisa Narrell-Mead and Mr. Ethan Elzen&mdash;are all highly qualified, accomplished individuals with significant
relevant expertise in fields including:</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Corporate Governance</U>.
Dr. Driscoll has extensive experience with corporate governance best practices obtained through his role as Dean of the Richard
J. Bolte, Sr. School of Business, Mt. St. Mary&rsquo;s University. Ms. Narrell-Mead, in addition to serving on the boards of directors
of multiple privately held banks, has extensive experience in counselling banks on corporate governance. Mr. Elzen, through his
role as President of Colorado Federal Savings Bank (&ldquo;Colorado Federal&rdquo;), has extensive experience in corporate governance
issues given Colorado Federal&rsquo;s relationship (and overlapping ownership) with affiliate businesses.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Regulatory Issues</U>. Mr.
Elzen has extensive experience with bank regulators and regulatory issues obtained through the remediation of multiple legacy regulatory
issues at Colorado Federal. Ms. Narrell-Mead has a long history of working with bank regulators and addressing regulatory issues
obtained as a lawyer in private practice, internal counsel at two banking organizations, as a consultant to banks to develop regulatory
plans and as a board member of multiple banking organizations.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Risk Management</U>. Ms.
Narrell-Mead regularly acts as a consultant to banks regarding risk management issues and the adoption and implementation of risk
management policies and procedures. Mr. Elzen has extensive experience in risk management obtained as President of Colorado Federal
that includes the implementation of new, comprehensive enterprise risk management framework. Dr. Driscoll has extensive practical
expertise in risk management based on a decades-long career in equities trading, as well as more theoretical expertise gained as
a professor of finance.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Corporate Finance</U>. Dr.
Driscoll has taught graduate level classes in corporate finance and Mr. Elzen has extensive experience in corporate finance obtained
during his career as an investment banker advising financial institutions and leading Colorado Federal through capital raising
transactions.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Restructuring and Expense
Optimization</U>. Mr. Elzen has extensive experience in restructuring and expense optimization having led a wholesale restructuring
of Colorado Federal (including devising and implementing a multi-year strategic and financial operating plan and developing and
implementing performance tracking and reporting systems) and serving as Vice President, Restructuring at Ally Financial. Ms. Narrell-Mead
regularly advises banks on increasing operating efficiencies and implementing operating plans.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0.5in 8pt; text-align: justify"><U>Human Capital</U>. Ms. Narrell-Mead
has decades of experience in all aspects of human capital, including recruiting, designing and implementing compensation packages,
practices and policies, managing human resources departments and as in-house and outside employment counsel. Mr. Elzen&rsquo;s
experience includes revamping senior management at Colorado Federal and overhauling its corporate culture. Dr. Driscoll has extensive
experience in human capital obtained by serving as dean of a business school and managing equity trading desks.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"></P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Driver&rsquo;s Nominees are
independent</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Driver has no financial or other
arrangements with any of the Nominees other than a general understanding to reimburse them for any costs incurred in connection
with their service as Nominees. None of the Nominees have any interest in Driver Opportunity Partners I LP, Driver Management Company
LLC or any other entity affiliated with Mr. Cooper. Driver is not aware of any fact or circumstance that would reasonably suggest
that the Nominees would not act in the best interest of all shareholders.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>Driver&rsquo;s Nominees are
shareholders and have purchased shares with their own money</I></B></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Each of the Nominees have purchased
shares of Common Stock with their own money. To paraphrase Warren Buffet: paid-with-their-own money ownership, of course, does
not create wisdom or ensure business smarts; nevertheless, Driver feels better when directors have had the experience of purchasing
shares with their savings, rather than simply having been the recipients of grants.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As of March 25, 2020, Dr. Driscoll
beneficially owns 4,500 shares of Common Stock, Ms. Narrell-Mead beneficially owns 650 shares of Common Stock and Mr. Elzen beneficially
owns 425 shares of Common Stock. By way of contrast, in 2007, when Andrew Walls was first nominated for election as director, he
had already served as a director for close to six months (he had been named to the Board in October 2006), Mr. Walls owned fifty
(50) shares of Common Stock worth $1,132.50, despite having already received $9,433 in compensation for serving on the Board in
addition to the $182,129 paid in 2006 to Walls Printing Company, Inc. (&ldquo;Walls Printing&rdquo;), a corporation owned by Mr.
Walls and a trust established for the benefit of his minor children. First United was very familiar with Mr. Walls even prior to
appointing him to the Board, since First United had already paid Walls Printing $219,815 for services rendered in 2006 and had
extended $4,482,476 in credit to Walls Printing and $2,700,698 in credit to MEGBA, LLC, a limited liability company owned by Mr.
Walls and a trust established for the benefit of his minor children. Two years later, at the time of First United&rsquo;s 2009
Annual Meeting of Shareholders, Mr. Walls continued to own the same fifty (50) shares of Common Stock, despite having received
at total of $70,788 in director compensation and Walls Printing having received $1,431,524 in fees from First United.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">When nominated for election as a
director by the Company in 2014, Marisa Shockley owned zero (0) shares of Common Stock.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B><I>First United&rsquo;s failure
to take a charge for impairment of goodwill during any of the years from 2010 to 2015 is based on spurious reasoning and reflects
the Board&rsquo;s unrealistic view of First United&rsquo;s condition relative to the larger banking industry</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During the entirety of the period from
2010 to 2015, the price to book value multiple for the Common Stock was below 1x. In other words, the Common Stock traded below
book value, as illustrated by the below chart showing percentage of price to book value per share for the Common Stock and the
SNL US Bank $1B-$5B index:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="image_007.jpg" ALT="" STYLE="height: 356px; width: 624px"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In First United&rsquo;s Annual Report on
Form 10-K for each of those years, First United discussed the question of whether its recorded goodwill was impaired.<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>104
</SUP></FONT>In each of those years, First United chose not to use the market value for First United to determine First United&rsquo;s
 &ldquo;fair value&rdquo; due to &ldquo;the illiquidity in the [Common Stock] and the adverse conditions surrounding the banking
industry.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">With respect to &ldquo;illiquidity&rdquo;
in the Common Stock, the average daily volume for the Common Stock for 2005 through 2009 was 4,745 shares, compared to an average
daily volume for the Common Stock for 2010 through 2015 of 6,993 shares.<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>105
</SUP></FONT>Driver notes that, had First United chosen to issue Common Stock to raise capital in 2009 and 2010 instead of issuing
trust preferred securities,<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>106</SUP></FONT> even though investors
and regulators were focused on common equity,<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>107</SUP></FONT> First
United&rsquo;s outstanding shares, and, in Driver&rsquo;s view, trading volume, would have been higher.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">With respect to &ldquo;adverse conditions
surrounding the banking industry,&rdquo; Driver believes that First United was negatively impacted by the Financial Crisis in
a manner disproportionate to the larger banking industry, due to the decisions made by the Board immediately prior to and during
the Financial Crisis and that First United&rsquo;s financial condition and results continued to suffer the effects of those decisions
long after the greater banking industry had recovered. As illustrated by the below table comparing metrics that Driver believes,
based on the experience of its principals as bank investors and investment bankers advising banking organizations, are relevant
in assessing a banking organization&rsquo;s financial condition and results, the larger banking industry had returned to a state
of health by 2014 and 2015:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 25%; padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 25%; padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">2014</FONT></TD>
    <TD STYLE="width: 25%; padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">2015</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">First United</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">Core ROAA<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>108</SUP></FONT></FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">0.40%</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">0.37%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">Nonperforming
    assets/assets</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">2.41%</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">2.32%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">SNL US Bank
    $1B-$5B Index</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">Core ROAA</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">0.98%</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">0.93%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt"><FONT STYLE="font-size: 10pt">Nonperforming
    assets/assets</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">1.31%</FONT></TD>
    <TD STYLE="padding-right: 5.75pt; padding-bottom: 4.3pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-size: 10pt">1.12%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In addition, as the Board of Governors of the Federal Reserve
System (the &ldquo;FRB&rdquo;) noted:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify">During 2014, the U.S. banking system
and financial markets continued to improve following their recovery from the financial crisis that started in mid-2007<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>109</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify">An improvement in bank holding companies&rsquo;
(BHCs) performance was evident during 2015. U.S. BHC&rsquo;s in aggregate, reported earnings reaching an all-time high of $160
billion for 2015, up from $139 billion for the year ending December 31, 2014. The proportion of unprofitable BHCs continued to
decline, reaching 2 percent, down from 4 percent in 2014, the lowest level since 1998.<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>110</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In addition, Driver believes the use of
a discounted cash flow analysis to determine First United&rsquo;s &ldquo;fair value&rdquo; is particularly insulting to shareholders
given that one case was premised on First United&rsquo;s &ldquo;terminal value,&rdquo; assuming the sale of First United at a
particular price to tangible book value multiple.<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>111</SUP></FONT>
Driver believes that it is inherently illogical for First United to use the premium available in a sale to justify a higher &ldquo;fair
value&rdquo; when convenient for the Board, when the Board&rsquo;s strategy is &ldquo;remaining independent.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Baker Tilly Virchow Krause,
LLP audited First United 2015, 2014 and 2013 annual financial statements.</P>


<HR ALIGN="LEFT" SIZE="1" STYLE="width: 5pc; margin-top: 12pt">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>104
</SUP></FONT>See, for example, First United Annual Report on Form 10-K for the year ended December 31, 2015 p.26-27 available
at https://www.sec.gov/Archives/edgar/data/763907/000114420416086953/v429417_10k.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>105
</SUP></FONT>Source: Bloomberg</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>106
</SUP></FONT>See First United Quarterly Report on Form 10-Q for the quarter ended March 31, 2017 p. 36 available at https://www.sec.gov/Archives/edgar/data/763907/000114420417026066/v464871_10q.htm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>107
</SUP></FONT>See, Federal Depository Insurance Company, &ldquo;Trust Preferred Securities and the Capital Strength of Banking
Organizations,&rdquo; Supervisory Insights, Winter 2010 &ldquo;FDIC Supervisory Insights, Winter 2010&rdquo;) available at https://www.fdic.gov/regulations/examinations/supervisory/insights/siwin10/trust.html
noting:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify">As became evident during the crisis,
analysts and other market participants were ultimately looking to the tangible equity capital strength of banking organizations
when assessing their capital adequacy. This is in part why U.S. bank regulators did not allow [trust preferreds] to be included
in the bottom line tangible equity targets being established for the largest banks as part of the Supervisory Capital Assessment
Program (SCAP) conducted in the spring of 2009</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>108
</SUP></FONT>Core ROAA is calculated by S&amp;P Global Market Intelligence and eliminates gain/loss on the sale of securities
and one time items. Driver believes that core ROAA is a better gauge of relative performance due in part to a large settlement
award that First United received in 2015</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>109
</SUP></FONT>FRB 101<SUP>st</SUP> Annual Report 2014 p. 48 available at https://www.federalreserve.gov/publications/annual-report/files/2014-annual-report.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>110
</SUP></FONT>FRB 102<SUP>nd</SUP> Annual Report 2015 p 45 available at https://www.federalreserve.gov/publications/annual-report/files/2015-annual-report.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>111
</SUP></FONT>For the 2015 goodwill impairment analysis, First United used a tangible book value multiple of 1.36x to determine
terminal value. The average price to tangible book value multiple for the Common Stock during 2015 was 0.78x. Source: S&amp;P
Global Market Intelligence.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">PROPOSAL NO. 1<BR>
<BR>
ELECTION OF DIRECTORS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company currently
has a classified Board, which is divided into three (3) classes. The directors in each class are elected for terms of three (3)
years so that the term of office of one (1) class of directors expires at each annual meeting of stockholders. We believe that
the terms of four (4) Class I directors expire at the Annual Meeting. We are seeking your support at the Annual Meeting to elect
our three (3) Nominees, Michael J. Driscoll, Ed.D, Lisa Narrell-Mead and Ethan C. Elzen, each of whom is independent of the Company,
in opposition to three (3) of the Company&rsquo;s director nominees for terms ending in 2023. We are nominating fewer than four
(4) director candidates because, at the time we nominated our Nominees, we were concerned that if we nominated four (4) director
candidates and all of our nominees were elected as directors, we may have been deemed to have &ldquo;control&rdquo; over First
United for purposes of the Bank Holding Company Act (the &ldquo;BHC Act&rdquo;). Since we nominated the Nominees, the Board of
Governors of the Federal Reserve Board (the &ldquo;FRB&rdquo;) has issued a final rule (the &ldquo;Final Rule&rdquo;) revising
the FRB&rsquo;s framework for determining &ldquo;control&rdquo; under the BHC Act that substantially eliminated our concerns about
nominating four (4) director candidates. By the time the Final Rule was announced, however, the deadline for shareholder nominations
had passed. We intend to solicit proxies to elect not only our three (3) Nominees, but also the candidate who has been nominated
by the Company other than John F. Barr, Brian R. Boal and John W. McCullough.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Your vote to elect the Nominees will have the legal effect of replacing three (3) incumbent directors of the Company with
the Nominees. If elected, the Nominees will represent a minority of the members of the Board, and therefore it is not guaranteed
that they will be able to implement any actions that they may believe are necessary to enhance stockholder value.</P>



<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">THE NOMINEES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The following information
sets forth the name, age, business address, present principal occupation, and employment and material occupations, positions, or
offices for the past five (5) years of each of the Nominees. The nominations were made in a timely manner and in compliance with
the applicable provisions of the Company&rsquo;s governing instruments. The specific experience, qualifications, attributes and
skills that led us to conclude that the Nominees should serve as directors of the Company are set forth above in the section entitled
 &ldquo;Reasons for the Solicitation&rdquo; and below. This information has been furnished to us by the Nominees. All of the Nominees
are citizens of the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Michael J. Driscoll,
Ed.D., </B>age 59, has been the Dean of The Richard J. Bolte, Sr. School of Business, Mount St. Mary&rsquo;s University, since
July 2018. He was previously Clinical Professor and Senior Executive in Residence at the Robert B. Willumstad School of Business
at Adelphi University from 2010 to July 2018. Prior to working in higher education, Dr. Driscoll was a founding member and Head
of Trading of Geosphere Capital LLC, a hedge fund focusing on global natural resources and industrials, from 2007 to 2010. He
also served as a Senior Managing Director at Bear, Sterns &amp; Co. from 2002 to 2007, Donaldson, Lufkin, &amp; Jenrette from
1998 to 2002, Hambrecht &amp; Quist from 1997 to 1998, and Smith Barney from 1987 to 1997. He holds a Doctorate in Education from
the University of Pennsylvania, a Master of Business Administration from Adelphi University and a Bachelor of Science from the
State University of New York Maritime College. Dr. Driscoll was also awarded a Fulbright Specialist scholarship, which he completed
at The National University of Ireland, Galway. In addition to his business activities, Dr. Driscoll serves on the Department of
Medicine Advisory Board for Northwell Health System.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver believes
that Dr. Driscoll&rsquo;s grasp of both the theoretical and practical issues confronting banking institutions will provide the
Board and the Company with valuable insight regarding the Company&rsquo;s business and strategic plan. Driver also believes that
the Board and the Company will benefit from Dr. Driscoll&rsquo;s understanding of the markets in which the Company operates, which
he acquired through his service as dean of a business school based in Emmitsburg, Maryland and that has a satellite campus in Frederick,
Maryland.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Lisa Narrell-Mead,</B>
age 55, has been the Chief Executive Officer of Workplace Advisors LLC, a provider of strategic advice and execution resources
for regional and community banks, since 2013 and has overseen Workplace Advisors&rsquo; 2019 acquisition of Everett Advisory Partners,
a financial services advisory firm. Ms. Narrell-Mead was previously the Executive Vice President of Cadence Bank, N.A. from 2011
to 2013, where she served on the Executive Committee for the bank and had direct responsibility for the formation of the Human
Resources and Corporate Services/Administrative units of the bank. She is a former executive of Regions Financial Corporation,
a Regional Bank from 2006 to 2011, and AmSouth Bank from 1998 to 2006 (when AmSouth merged with Regions). Prior to joining AmSouth
Bank, Ms. Narrell-Mead was a partner at the law firm of Constangy Brooks &amp; Smith from 1993 to 1998 specializing in workplace
and employment law. Ms. Narrell-Mead has served on the Boards of Directors of INBank (formerly International Bank), a community
bank serving Metro Denver, Southern Colorado and Norther New Mexico, from June 2018 to present, Argent Trust Company, a Trust Company,
from 2016 to present, and Verdigris Holdings, a holding company creating a banking solution to bank the unbanked, since June 2019.
Ms. Narrell-Mead served on the Board of Directors of River Road Financial Corporation, a holding company seeking to raise capital
to acquire and expand a bank, from 2018 to May 2019. She holds a Juris Doctorate from Emory University, School of Law where she
graduated with Distinction and a Bachelor of Science from Birmingham-Southern College where she graduated magna cum laude.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver believes
that Ms. Narrell-Mead&rsquo;s comprehensive legal and banking experience as well as her general industry knowledge will provide
the Board and the Company with practical insight into how other similarly situated financial institutions have addressed the challenges
confronting the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Ethan C. Elzen,</B>
age 40, has served as the President of Colorado Federal Savings Bank since June 2014 and was previously its Chief Financial Officer
from 2013 to May 2014. Mr. Elzen has also served as a senior advisor to Provident Funding Associates, L.P. (&ldquo;Provident Funding&rdquo;),
a non-bank mortgage originator and servicer, and the Pica Family of Companies, which includes Provident Funding, Provident Mortgage
Trust, Inc., a private mortgage real estate investment trust, Colorado Federal Savings Bank, Provitech Solutions, LLC, a technology
services company, CFBI, a residential property development company, and PointServ, a provider of verification services for the
mortgage lending and financial industries, since 2013. Prior to that, Mr. Elzen was a senior investment banker at UBS Investment
Bank, originating and executing transactions for financial institutions, from 2010 to 2013. Earlier in his career, Mr. Elzen was
a member of the restructuring team at Ally Financial from 2009 to 2010, where he focused on cost cutting and strategic alternatives
for Residential Capital LLC, the mortgage division of the GMAC Mortgage Corporation. Mr. Elzen began his career at Bank of America,
where he gained extensive experience in investment banking, treasury and balance sheet management and merger integration. Mr. Elzen
holds a Bachelor of Science in Business Administration (Finance &amp; Banking) from Appalachian State University. He is also on
the Board of Directors of the Habitat for Humanity of Metro Denver, and he co-founded Coastal Springs Distilling, a California
craft gin distiller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver believes
that from his experience as the President of a community bank, Mr. Elzen would bring broad, deep and specific expertise relevant
to a member of the Board. Driver also believes that Mr. Elzen will be able to bring to the Board his expertise in financial institution
restructuring, which he gained by overseeing the turnaround of Colorado Federal Savings Bank and as a member of the restructuring
team at Ally Financial charged with identifying and implementing cost efficiencies and developing strategic alternatives for Residential
Capital LLC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Dr. Driscoll&rsquo;s
principal business address is 35 E All Saints St. #216, Frederick, MD 21701. Ms. Narrell-Mead&rsquo;s principal business address
is 1635 Woodridge Pl, Birmingham, AL 35216. Mr. Elzen&rsquo;s principal business address is 4309 Esteswood Dr., Nashville, TN
37215.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As of April 20,
2020, Dr. Driscoll owns 4,500 shares of Common Stock. As of April 20, 2020, Ms. Narrell-Mead owns 650 shares of Common Stock. As
of April 20, 2020, Mr. Elzen owns 425 shares of Common Stock. The shares of Common Stock purchased by each of the Nominees were
purchased with personal funds in the open market.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each Nominee may
be deemed to be a member of the Group for the purposes of Section 13(d)(3) of the Securities Exchange Act of 1934, as amended
(the &ldquo;Exchange Act&rdquo;). Each Nominee specifically disclaims beneficial ownership of shares of Common Stock that he or
she does not directly own. For information regarding purchases and sales of securities of the Company during the past two (2)
years by the Nominees and the members of the Group, please see <U>Schedule I</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On November 19, 2019, the
members of the Group entered into a Joint Filing and Solicitation Agreement (the &ldquo;Joint Filing and Solicitation Agreement&rdquo;)
pursuant to which, among other things, (i) the members of the Group agreed to the joint filing on behalf of each of them of statements
on Schedule 13D, and any amendments thereto, with respect to the securities of the Company, (ii) the Group agreed to solicit proxies
or written consents for the election of the Nominees to the Board at the Annual Meeting, (iii) each of the Nominees agreed to provide
Driver advance written notice prior to effecting any purchase, sale, acquisition or disposal of any securities of the Company of
which he or she has, or would have, direct or indirect beneficial ownership so that Driver has an opportunity to review the potential
implications of any such transaction in the securities of the Company and pre-clear any such potential transaction in the securities
of the Company by the Nominees, (iv) each of the Nominees agreed that he or she shall not undertake or effect any purchase, sale,
acquisition or disposal of any securities of the Company without the prior written consent of Driver, and (v) Driver agreed to
pay directly all pre-approved expenses in connection with the solicitation for the election of the Nominees at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Other than as stated
herein, there are no arrangements or understandings between the members of the Group or any other person or persons pursuant to
which the nomination of the Nominees described herein is to be made, other than the consent by each Nominee to be named in this
Proxy Statement and to serve as a director of the Company if elected as such at the Annual Meeting. None of the Nominees is a party
adverse to the Company or any of its subsidiaries or has a material interest adverse to the Company or any of its subsidiaries
in any material pending legal proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each Nominee presently
is, and if elected as a director of the Company, each of the Nominees would, in our view, qualify as, an &ldquo;independent director&rdquo;
within the meaning of (i) applicable NASDAQ listing standards applicable to board composition, including Rule 5605(a)(2), and (ii)
Section 301 of the Sarbanes-Oxley Act of 2002. Notwithstanding the foregoing, no director of an NASDAQ listed company qualifies
as &ldquo;independent&rdquo; under the NASDAQ listing standards unless the board of directors affirmatively determines that such
director is independent under such standards. Accordingly, if the Nominees are elected, the determination of the Nominees&rsquo;
independence under the NASDAQ listing standards ultimately rests with the judgment and discretion of the Board. No Nominee is a
member of the Company&rsquo;s compensation, nominating or audit committee that is not independent under any such committee&rsquo;s
applicable independence standards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We do not expect
that the Nominees will be unable to stand for election, but, in the event any Nominee is unable to serve or for good cause will
not serve, the shares of Common Stock represented by the enclosed <B>WHITE</B> proxy card will be voted for substitute nominee(s),
to the extent this is not prohibited under the Bylaws and applicable law. In addition, we reserve the right to nominate substitute
person(s) if the Company makes or announces any changes to the Bylaws or takes or announces any other action that has, or if consummated
would have, the effect of disqualifying any Nominee, to the extent this is not prohibited under the Bylaws and applicable law.
In any such case, we would identify and properly nominate such substitute nominee(s) in accordance with the Bylaws and shares of
Common Stock represented by the enclosed <B>WHITE</B> proxy card will be voted for such substitute nominee(s). We reserve the right
to nominate additional person(s), to the extent this is not prohibited under the Bylaws and applicable law, if the Company increases
the size of the Board above its existing size or increases the number of directors whose terms expire at the Annual Meeting.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">WE URGE YOU TO VOTE &ldquo;FOR&rdquo;
THE ELECTION OF THE NOMINEES ON THE ENCLOSED WHITE PROXY CARD.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">PROPOSAL NO. 2<BR>
<BR>
ADVISORY VOTE ON COMPENSATION OF NAMED EXECUTIVE OFFICERS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As discussed
in further detail in the Company&rsquo;s proxy statement, the Company is asking shareholders to indicate their support for the
compensation of the Company&rsquo;s executive officers. This proposal, commonly known as a &ldquo;say-on-pay&rdquo; proposal,
is not intended to address any specific item of compensation, but rather the overall compensation of the Company&rsquo;s executive
officers and the philosophy, policies and practices described in the Company&rsquo;s proxy statement. The Board will be asking
shareholders to vote for the following resolution:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;RESOLVED,
that the compensation paid to the named executive officers of First United Corporation, as disclosed in its definitive proxy statement
for the 2020 Annual Meeting of Stockholders pursuant to Item 402 of Regulation S-K, including in the section entitled &ldquo;REMUNERATION
OF EXECUTIVE OFFICERS&rdquo;, is hereby approved.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As discussed
in the Company&rsquo;s proxy statement, the say-on-pay vote is advisory, and therefore not binding on the Company, the Compensation
Committee or the Board. As discussed in the Company&rsquo;s proxy statement, the shareholders&rsquo; advisory vote will not overrule
any decision made by the Board or the Compensation Committee or create or imply any additional fiduciary duty by the directors.
However, we anticipate that the Company will disclose that to the extent there is any significant vote against the named executive
officer compensation as disclosed in the Company&rsquo;s proxy statement, the Company will consider shareholders&rsquo; concerns,
and the Compensation Committee will evaluate whether any actions are necessary to address those concerns.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">WE RECOMMEND THAT YOU VOTE AGAINST
THIS SAY-ON-PAY PROPOSAL AND WE INTEND TO VOTE OUR SHARES AGAINST THIS PROPOSAL.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">PROPOSAL NO. 3<BR>
<BR>
RATIFICATION OF APPOINTMENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As discussed
in further detail in the Company&rsquo;s proxy statement, the Audit Committee of the Board has selected, and the Board has approved,
Baker Tilly Virchow Krause, LLP as the Company&rsquo;s independent registered public accounting firm for the fiscal year ending
December 31, 2020, subject to ratification by stockholders. Accordingly, the Company is submitting the appointment of Baker Tilly
Virchow Krause, LLP for ratification of the stockholders at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As discussed
in further detail in the Company&rsquo;s proxy statement, if stockholders do not ratify the selection of Baker Tilly Virchow Krause,
LLP, or if Baker Tilly Virchow Krause, LLP should decline to act or otherwise become incapable of acting as the Company&rsquo;s
independent registered public accounting firm, or if the Company&rsquo;s engagement of Baker Tilly Virchow Krause, LLP as the
Company&rsquo;s independent registered public accounting firm should be discontinued, the Board, on the recommendation of the
Audit Committee, will appoint a substitute independent registered public accounting firm.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">WE RECOMMEND THAT YOU VOTE AGAINST
THE RATIFICATION OF THE SELECTION OF BAKER TILLY VIRCHOW KRAUSE, LLP AS THE INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM OF THE
COMPANY FOR THE FISCAL YEAR ENDING DECEMBER 31, 2020 AND WE INTEND TO VOTE OUR SHARES AGAINST THIS PROPOSAL.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">VOTING AND PROXY PROCEDURES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Stockholders are
entitled to one vote for each share of Common Stock held of record on the Record Date with respect to each matter to be acted
on at the Annual Meeting. Only stockholders of record on the Record Date will be entitled to notice of and to vote at the Annual
Meeting. Stockholders who sell their shares of Common Stock before the Record Date (or acquire them without voting rights after
the Record Date) may not vote such shares. Stockholders of record on the Record Date will retain their voting rights in connection
with the Annual Meeting even if they sell such shares after the Record Date. Based on publicly available information, Driver believes
that the only outstanding class of securities of the Company entitled to vote at the Annual Meeting is the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Shares of Common
Stock represented by properly executed <B>WHITE</B> proxy cards will be voted at the Annual Meeting as marked and, in the absence
of specific instructions, will be voted <B>FOR</B> the election of the Nominees, <B>AGAINST</B> the Say-on-Pay Proposal, <B>AGAINST
</B>the ratification of Baker Tilly Virchow Krause, LLP as the Company&rsquo;s independent registered public accounting firm for
the fiscal year ending December 31, 2020, and in the discretion of the persons named as proxies on all other matters as may properly
come before the Annual Meeting, as described herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As disclosed in
the Company&rsquo;s proxy statement for the Annual Meeting, the current Board intends to nominate four (4) candidates for election
at the Annual Meeting. This Proxy Statement is soliciting proxies to elect not only our three (3) Nominees, but also the candidate
who has been nominated by the Company other than John F. Barr, Brian R. Boal and John W. McCullough. This gives stockholders the
ability to vote for the total number of directors up for election at the Annual Meeting. Stockholders should refer to the Company&rsquo;s
proxy statement for the names, backgrounds, qualifications and other information concerning the Company&rsquo;s nominees. There
is no assurance that any of the Company&rsquo;s nominees will serve as a director if any or all of our Nominees are elected.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">QUORUM; BROKER NON-VOTES; DISCRETIONARY VOTING</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A quorum is the
minimum number of shares of Common Stock that must be represented at a duly called meeting in person or by proxy in order to legally
conduct business at the meeting. The presence, in person or by proxy, of stockholders entitled to cast a majority of all votes
entitled to be cast at the Annual Meeting shall constitute a quorum. Withheld votes (in the case of the election of directors),
abstentions and broker non-votes will all be counted for purposes of determining whether a quorum is present.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Please note
that if you hold your shares in a stock brokerage account, your broker may not be able to vote your shares of Common Stock (a
 &ldquo;broker non-vote&rdquo;) unless you provide voting instructions to your broker. You should instruct your broker to vote
your shares by following the instructions provided by the broker when it sends this Proxy Statement to you. You may not vote shares
held in street name by returning a proxy card directly to the Company or by voting in person at the Annual Meeting unless you
provide a &ldquo;legal proxy&rdquo;, which you must obtain from your bank, broker, trustee or other nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If you hold
your shares in &ldquo;street name&rdquo; and do not provide voting instructions to your broker, then your broker will not have
the authority to vote your shares on any proposal presented at the Annual Meeting unless it has discretionary authority with respect
to that proposal. In that case, your shares will be considered to be broker non-votes and will not be voted on that proposal.
Whether a broker has discretionary authority depends on your agreement with your broker and the rules of the various regional
and national exchanges of which your broker is a member. These rules generally prohibit a broker from exercising discretionary
voting authority on non-routine matters without specific instructions from their customers. Proposals are determined to be routine
or non-routine matters based on these rules. However, in the case of meetings involving contested director elections, these rules
generally prohibit a broker from exercising discretionary authority with respect to any proposals to be voted on at such meetings,
whether routine or not. As a result, brokers subject to these rules generally will not be permitted to vote shares held by a beneficial
holder at the Annual Meeting without instructions from that beneficial holder as to how to the shares are to be voted. Any shares
held by such a broker who has not received instructions from the beneficial owner as to how such shares are to be voted will have
no effect on the outcome of Proposals 1, 2 or 3, but the shares will be counted for establishing the presence of a quorum. It
is therefore very important that you instruct your broker on how to vote shares that you hold in street name.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">VOTES REQUIRED FOR APPROVAL</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><I>Election of Directors</I>
 &ndash; Directors are elected by the affirmative vote of a plurality of the votes cast at the Annual Meeting. A plurality voting
standard means that a director nominee will be elected if he or she receives the most votes cast in the election, even if the number
of votes is less than a majority. With respect to the election of directors, only votes cast &ldquo;FOR&rdquo; a nominee will be
counted. Proxy cards specifying that votes should be withheld with respect to one or more nominees will result in those nominees
receiving fewer votes but will not count as a vote against the nominees. Neither a withhold vote nor a broker non-vote will count
as a vote cast &ldquo;FOR&rdquo; or &ldquo;AGAINST&rdquo; a director nominee. Therefore, withhold votes and broker non-votes will
have no direct effect on the outcome of the election of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As described in
the Company&rsquo;s Current Report on Form 8-K filed with the Securities and Exchange Commission on December 16, 2019, following
Driver&rsquo;s public calls for the adoption of a plurality voting standard in contested elections, the Company announced that
the Board approved a plurality voting exception for the Annual Meeting such that, if there is a contested election at the Annual
Meeting, and if any incumbent Class I director is ultimately nominated by the Board for election but fails to receive a plurality
of votes cast in the election, then such incumbent director will resign from the Board and the Board will fill the vacancy created
by such resignation with the director nominee who does receive the most votes cast in the election.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><I>Other Proposals
</I>&ndash; The adoption of the non-binding advisory resolution approving the compensation paid to the Company&rsquo;s named executive
officers for 2019, as described in Proposal 2, and the ratification of the appointment of the Company&rsquo;s independent registered
public accounting firm, as described in Proposal 3, each require the affirmative vote of a majority of all shares of Common Stock
voted at the Annual Meeting. Accordingly, an abstention or a broker non-vote with respect to Proposal 2 or Proposal 3 will have
no impact on the outcome of those proposals.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">REVOCATION OF PROXIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Stockholders of the Company
may revoke their proxies at any time prior to exercise by attending the Annual Meeting and voting in person (although, attendance
at the Annual Meeting will not in and of itself constitute revocation of a proxy) or by delivering a written notice of revocation.
The delivery of a subsequently dated proxy which is properly completed will constitute a revocation of any earlier proxy. The revocation
may be delivered either to Driver in care of Saratoga at the address set forth on the back cover of this Proxy Statement or to
the Company at 19 South Second Street, Oakland, Maryland 21550 or any other address provided by the Company. Although a revocation
is effective if delivered to the Company, we request that either the original or photostatic copies of all revocations be mailed
to Driver in care of Saratoga at the address set forth on the back cover of this Proxy Statement so that we will be aware of all
revocations and can more accurately determine if and when proxies have been received from the holders of record on the Record Date
of a majority of the shares entitled to be voted at the Annual Meeting. Additionally, Saratoga may use this information to contact
stockholders who have revoked their proxies in order to solicit later dated proxies for the election of the Nominees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"><B>IF YOU WISH TO VOTE FOR THE ELECTION
OF THE NOMINEES TO THE BOARD, PLEASE SIGN, DATE AND RETURN PROMPTLY THE ENCLOSED WHITE PROXY CARD IN THE POSTAGE-PAID ENVELOPE
PROVIDED.</B></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">SOLICITATION OF PROXIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The solicitation
of proxies pursuant to this Proxy Statement is being made by Driver. Proxies may be solicited by mail, facsimile, telephone, Internet,
in person and by advertisements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Members of Driver
have entered into an agreement with Saratoga for solicitation and advisory services in connection with this solicitation, for
which Saratoga will receive a fee not to exceed $125,000, together with reimbursement for its reasonable out-of-pocket expenses,
and will be indemnified against certain liabilities and expenses, including certain liabilities under the federal securities laws.
Saratoga will solicit proxies from individuals, brokers, banks, bank nominees and other institutional holders. Driver has requested
banks, brokerage houses and other custodians, nominees and fiduciaries to forward all solicitation materials to the beneficial
owners of the shares of Common Stock they hold of record. Driver will reimburse these record holders for their reasonable out-of-pocket
expenses in so doing. It is anticipated that Saratoga will employ approximately 20 persons to solicit stockholders for the Annual
Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The entire expense
of soliciting proxies is being borne by Driver. Costs of this solicitation of proxies are currently estimated to be approximately
$900,000 (including, but not limited to, fees for attorneys, solicitors and other advisors, and other costs incidental to the
solicitation). Driver estimates that through the date hereof its expenses in connection with this solicitation are approximately
$600,000. To the extent legally permissible, if Driver is successful in its proxy solicitation, Driver intends to seek reimbursement
from the Company for the expenses it incurs in connection with this solicitation. Driver does not intend to submit the question
of such reimbursement to a vote of security holders of the Company.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">ADDITIONAL PARTICIPANT INFORMATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver Management,
Partners, J. Abbott R. Cooper and the Nominees are participants in this solicitation. The principal business of Driver is serving
as the general partner of Partners and managing certain other investments on behalf of separately managed accounts and other investment
vehicles. The principal business of Partners is investing in securities. The principal occupation of Mr. Cooper is serving as the
managing member of Driver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The address of
the principal office of each of Driver Management, Partners and Mr. Cooper is 250 Park Avenue, 7<SUP>th</SUP> Floor, New York,
New York 10177.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As of April 20,
2020, Partners directly beneficially owns 360,637 shares of Common Stock. Driver Management, as the general partner of Partners,
may be deemed to beneficially own the shares of Common Stock directly beneficially owned by Partners. Mr. Cooper, as the managing
member of Driver Management, may be deemed to beneficially own the shares of Common Stock directly beneficially owned by Partners.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each participant
in this solicitation is a member of a &ldquo;group&rdquo; with the other participants for the purposes of Section 13(d)(3) of the
Exchange Act. The Group may be deemed to beneficially own the 366,212 shares of Common Stock owned in the aggregate by all of the
participants in this solicitation. Each participant in this solicitation disclaims beneficial ownership of the shares of Common
Stock that he, she or it does not directly own. For information regarding purchases and sales of securities of the Company during
the past two (2) years by the participants in this solicitation, see <U>Schedule I</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The shares of Common
Stock purchased by Partners were purchased with working capital (which may, at any given time, include margin loans made by brokerage
firms in the ordinary course of business).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as set forth
in this Proxy Statement (including the Schedules hereto), (i) during the past ten (10) years, no participant in this solicitation
has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors); (ii) no participant in this
solicitation directly or indirectly beneficially owns any securities of the Company; (iii) no participant in this solicitation
owns any securities of the Company which are owned of record but not beneficially; (iv) no participant in this solicitation has
purchased or sold any securities of the Company during the past two (2) years; (v) no part of the purchase price or market value
of the securities of the Company owned by any participant in this solicitation is represented by funds borrowed or otherwise obtained
for the purpose of acquiring or holding such securities; (vi) no participant in this solicitation is, or within the past year was,
a party to any contract, arrangements or understandings with any person with respect to any securities of the Company, including,
but not limited to, joint ventures, loan or option arrangements, puts or calls, guarantees against loss or guarantees of profit,
division of losses or profits, or the giving or withholding of proxies; (vii) no associate of any participant in this solicitation
owns beneficially, directly or indirectly, any securities of the Company; (viii) no participant in this solicitation owns beneficially,
directly or indirectly, any securities of any parent or subsidiary of the Company; (ix) no participant in this solicitation or
any of his, her or its associates was a party to any transaction, or series of similar transactions, since the beginning of the
Company&rsquo;s last fiscal year, or is a party to any currently proposed transaction, or series of similar transactions, to which
the Company or any of its subsidiaries was or is to be a party, in which the amount involved exceeds $120,000; (x) no participant
in this solicitation or any of his, her or its associates has any arrangement or understanding with any person with respect to
any future employment by the Company or its affiliates, or with respect to any future transactions to which the Company or any
of its affiliates will or may be a party; and (xi) no participant in this solicitation has a substantial interest, direct or indirect,
by securities holdings or otherwise, in any matter to be acted on at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">There are no material
proceedings to which any participant in this solicitation or any of his, her or its associates is a party adverse to the Company
or any of its subsidiaries or has a material interest adverse to the Company or any of its subsidiaries. With respect to each of
the Nominees, none of the events enumerated in Item 401(f)(1)-(8) of Regulation S-K of the Exchange Act occurred during the past
ten (10) years.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">OTHER MATTERS AND ADDITIONAL INFORMATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Driver is unaware
of any other matters to be considered at the Annual Meeting. However, should other matters, which Driver is not aware of at a reasonable
time before this solicitation, be brought before the Annual Meeting, the persons named as proxies on the enclosed <B>WHITE</B>
proxy card will vote on such matters in their discretion.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">STOCKHOLDER PROPOSALS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company believes
that a stockholder who is entitled to vote for the election of directors and who desires to nominate a candidate for election to
be voted on at an Annual Meeting of Stockholders may do so only in accordance with Section 4 of Article II of the Bylaws, which
provides that a stockholder may nominate a director candidate by written notice to the Chairman of the Board or the President not
less than 150 days nor more than 180 days prior to the date of the meeting of stockholders called for the election of directors
which, for purposes of this requirement, shall be deemed to be on the same day and month as the Annual Meeting of Stockholders
for the preceding year. Such notice shall contain the following information to the extent known by the notifying stockholder: (i)
the name and address of each proposed nominee; (ii) the principal occupation of each proposed nominee; (iii) the number of shares
of capital stock of the Company owned by each proposed nominee; (iv) the name and residence address of the notifying stockholder;
(v) the number of shares of capital stock of the Company owned by the notifying stockholder; (vi) the consent in writing of the
proposed nominee as to the proposed nominee&rsquo;s name being placed in nomination for director; and (vii) all information relating
to such proposed nominee that would be required to be disclosed by Regulation 14A under the Exchange Act and Rule 14a-11 promulgated
thereunder, assuming such provisions would be applicable to the solicitation of proxies for such proposed nominee. To be considered
timely for the 2021 Annual Meeting, a stockholder nomination, and all supporting information, must be submitted no earlier than
December 13, 2020 and no later than January 12, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A stockholder who
desires to present a proposal pursuant to Rule 14a-8 under the Exchange Act to be included in the proxy statement for, and voted
on by the stockholders at, the 2021 Annual Meeting must submit such proposal in writing, including all supporting materials, to
the Company at its principal office no later than December 18, 2020, 120 days before the date of mailing based on this year&rsquo;s
Proxy Statement date, and meet all other requirements for inclusion in the proxy statement. Additionally, pursuant to Rule 14a-4(c)(1)
under the Exchange Act, if a stockholder intends to present a proposal for business to be considered at the 2021 Annual Meeting
but does not seek inclusion of the proposal in the Company&rsquo;s proxy statement for such meeting, then the Company must receive
the proposal by March 3, 2021, 45 days before the date of mailing based on this year&rsquo;s Proxy Statement date) for it to be
considered timely received. If notice of a stockholder proposal is not timely received, then the proxies will be authorized to
exercise discretionary authority with respect to the proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The information
set forth above regarding the procedures for submitting stockholder proposals for consideration at the 2021 Annual Meeting is
based on information contained in the Company&rsquo;s proxy statement and the Bylaws. The incorporation of this information in
this Proxy Statement should not be construed as an admission by Driver that such procedures are legal, valid or binding.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">CERTAIN ADDITIONAL INFORMATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">WE HAVE OMITTED
FROM THIS PROXY STATEMENT CERTAIN DISCLOSURE REQUIRED BY APPLICABLE LAW THAT IS EXPECTED TO BE INCLUDED IN THE COMPANY&rsquo;S
PROXY STATEMENT RELATING TO THE ANNUAL MEETING BASED ON OUR RELIANCE ON RULE 14A-5(C) UNDER THE EXCHANGE ACT. THIS DISCLOSURE
IS EXPECTED TO INCLUDE, AMONG OTHER THINGS, CURRENT BIOGRAPHICAL INFORMATION ON THE COMPANY&rsquo;S DIRECTORS AND EXECUTIVE OFFICERS,
INFORMATION CONCERNING EXECUTIVE COMPENSATION AND DIRECTOR COMPENSATION, INFORMATION CONCERNING THE COMMITTEES OF THE BOARD AND
OTHER INFORMATION CONCERNING THE BOARD, INFORMATION CONCERNING CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS, INFORMATION
ABOUT THE COMPANY&rsquo;S INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM AND OTHER IMPORTANT INFORMATION. SEE SCHEDULE II FOR INFORMATION
REGARDING PERSONS WHO BENEFICIALLY OWN MORE THAN 5% OF THE SHARES AND THE OWNERSHIP OF THE SHARES BY THE DIRECTORS AND MANAGEMENT
OF THE COMPANY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The information
concerning the Company contained in this Proxy Statement and the Schedules attached hereto has been taken from, or is based upon,
publicly available information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 175.5pt"><B>DRIVER OPPORTUNITY PARTNERS I LP<BR>
<BR>
APRIL 20, 2020</B></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>SCHEDULE I</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">TRANSACTIONS IN SECURITIES OF THE
COMPANY BY THE PARTICIPANTS DURING THE PAST TWO YEARS</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><U>Nature of the Transaction</U></TD>
    <TD STYLE="vertical-align: top; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Securities</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>Purchased/(Sold)</U></P></TD>
    <TD STYLE="vertical-align: top; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Date of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>Purchase / Sale</U></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>DRIVER OPPORTUNITY PARTNERS I
LP</U></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,000</TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/11/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">600</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/12/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/13/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,004</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/14/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,582</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/15/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/18/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">814</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/20/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">04/22/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">04/23/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,499</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">04/25/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,680</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/10/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/13/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,531</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/14/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,458</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/15/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/16/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/17/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,331</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/20/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/21/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,700</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/22/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,800</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/23/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">947</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/29/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,863</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/30/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,879</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">05/31/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">06/03/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">398</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/02/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/05/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,502</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/08/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">15,193</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/09/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,039</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/10/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">4,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/11/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/12/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">395</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/15/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">6,584</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/16/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5,796</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/17/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">6,829</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/18/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,213</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/19/2010</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">7,162</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/22/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,378</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/24/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">07/31/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,584</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/01/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,958</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/02/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,199</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/05/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,200</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/06/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">40,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/06/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,620</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/07/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,410</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/08/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/09/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,320</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/13/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,081</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/14/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,238</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/15/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,958</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/16/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">181,191</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/26/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2,500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/28/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/30/2019</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>MICHAEL J. DRISCOLL</U></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/21/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/22/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/23/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">200</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">08/26/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">300</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">09/03/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">09/05/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">09/09/2019</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">500</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">09/12/2019</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">03/20/2020</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>LISA NARRELL-MEAD</U></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">650 </TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">10/08/2019</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>ETHAN C. ELZEN</U></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt">Purchase of Common Stock</TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">425 </TD>
    <TD STYLE="width: 33.33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">10/28/2019</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U></U></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><U>SCHEDULE II</U></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The
following table is reprinted from the definitive proxy statement filed by First United Corporation with the Securities and Exchange
Commission on April 17, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>BENEFICIAL OWNERSHIP OF COMMON STOCK BY </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>PRINCIPAL SHAREHOLDERS AND MANAGEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table sets
forth information as of the March 27, 2020 relating to the beneficial ownership of the Common Stock by (i) each person or group
known by the Corporation to beneficially own more than five percent of the outstanding shares of Common Stock; (ii) each of the
Corporation&rsquo;s directors, director nominees and named executive officers (as defined below under &ldquo;Remuneration of Executive
Officers&rdquo;); and (iii) all directors, director nominees and executive officers of the Corporation as a group. Generally, a
person &ldquo;beneficially owns&rdquo; shares if he or she has, or shares with others, the right to vote those shares or to invest
(or dispose of) those shares, or if he or she has the right to acquire such voting or investment rights, within 60 days of the
Record Date (such as by exercising stock options or similar rights). The percentages shown for 2020 were calculated based on 6,966,898
issued and outstanding shares of Common Stock, plus, for each named person, any shares that such person may acquire within 60 days
of the Record Date. Except as otherwise noted, the address of each person named below is the address of the Corporation. So that
shareholders can see how beneficial ownership has changed, the table also provides beneficial ownership as of February 28, 2019,
which was the record date for the 2019 Annual Meeting, and was taken from the proxy statement for that meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;2020</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>2019</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Common Stock Beneficially Owned </B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>as of </B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>03-27-2020</B></P></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Percent of<BR>
        Outstanding<BR>
        Common Stock</B></P></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Common Stock Beneficially Owned</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>as of </B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>02-28-2019</B></P></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><B>Directors, Nominees and Named Executive Officers:</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="width: 63%"><FONT STYLE="font-size: 10pt">John F. Barr</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-size: 10pt">18,093</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-size: 10pt">16,547</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">Brian R. Boal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8,337</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,791</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">M. Kathryn Burkey</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">43,675</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">41,229</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">Robert L. Fisher, II</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,563</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,963</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">Robert W. Kurtz</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10,521</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10,021</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">John W. McCullough</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">35,742</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">33,499</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">Elaine L. McDonald</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">32,926</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">32,212</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">Carissa L. Rodeheaver</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15,810</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9,165</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">Gary R. Ruddell</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18,533</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15,316</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">I. Robert Rudy</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40,368</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(6)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">42,156</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">Jason B. Rush</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11,083</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(7)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10,751</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">Marisa A. Shockley</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">16,213</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">14,345</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt">H. Andrew Walls</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">57,106</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(8)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">55,560</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 10pt"><B>Directors, Nominees &amp; Executive Officers as a group (13 persons)</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">313,970</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">292,555</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 10pt">Driver Opportunity Partners I LP</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">365,212</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(9)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Total</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>697,182</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>9.7</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Notes:&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt"><B>*</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Less than 1.0%.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 2,393 shares of phantom stock held in a deferred compensation plan account (&ldquo;Phantom Stock&rdquo;). Each share of Phantom Stock represents a deemed investment of deferred compensation funds in one share of Common Stock and gives the officer the right to receive one share of Common Stock or the cash value thereof following the officer&rsquo;s separation from service with the Corporation. The officer may transfer the funds held in the plan account into an alternative deemed investment option at any time.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 3,027 shares owned jointly with spouse.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 7,506 shares held in trust of which Ms. McDonald is a beneficiary.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 12,420 shares held jointly with spouse, 69 shares held by spouse for benefit of a minor child, and 790 shares held in a 401(k) plan account.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 520 shares owned by Ruddell, LLC of which Mr. Ruddell is owner.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(6)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 1,033 shares owned jointly with spouse, 6,837 shares owned by spouse and 4,500 shares of Phantom Stock in a deferred compensation plan account.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(7)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 125 shares owned jointly with spouse.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(8)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Includes 14,854 shares owned by Morgantown Printing and Binding, Inc. of which Mr. Walls is owner.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(9)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">The information is based on the Schedule 13D/A filed with the SEC on March 27, 2020 by Driver Opportunity Partners I LP (&ldquo;Partners&rdquo;), Driver Management Company LLC (&ldquo;Driver Management Company&rdquo;), J. Abbott R. Cooper, Michael J. Driscoll, Lisa Narrell-Mead and Ethan C. Elzen. The principal address of each of Partners, Driver Management Company and Mr. Cooper is 250 Park Avenue, 7th Floor, New York, NY 10177. The principal address of Mr. Driscoll is 35 E. All Saints Street, #216, Frederick, MD 21701. The principal business address of Ms. Narrell-Mead is 1635 Woodridge Place, Birmingham, AL 35216. The principal business address of Mr. Elzen is 4309 Esteswood Dr Nashville, TN 37215. Partners beneficially owns 360,637 shares of Common Stock. Driver Management is the controlling person of Partners, and Mr. Cooper is the controlling person of Driver Management. Mr. Driscoll, Ms. Narrell-Mead and Mr. Elzen beneficially own 4,500 shares of Common Stock, 650 shares of Common Stock, and 425 shares of Common Stock, respectively.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Information Regarding Ownership of the Corporation&rsquo;s
Securities by Participants</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The number of the Corporation&rsquo;s
securities beneficially owned by certain of the Participants as of March 27, 2020 is set forth in the section entitled &ldquo;Beneficial
Ownership of Common Stock By Principal Shareholders and Management&rdquo; in this Proxy Statement. In addition, Mr. Sanders beneficially
owns 7,962 shares of Common Stock, and Ms. Sturm beneficially owns 3,725 shares of Common Stock, as of March 27, 2020.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Information Regarding Transactions in the Corporation&rsquo;s
Securities by Participants</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table sets
forth information regarding purchases and sales of the Corporation&rsquo;s securities by the Participants within the past two years.
No part of the purchase price or market value of these securities is represented by funds borrowed or otherwise obtained for the
purpose of acquiring or holding such securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 14%; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Name</B></FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 13%; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Date</B></FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 20%; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Title of Security</B></FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Number of</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Shares</B></P></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>Transaction</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">John F. Barr</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,484</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Brian R. Boal</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">M. Kathryn Burkey</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">900</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 14%"><FONT STYLE="font-size: 10pt">Robert L. Fisher, II</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 13%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/20/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">06/15/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">06/15/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/13/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12/03/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 20%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 10%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">575</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">5,387</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">3,170</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">40</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">53</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">600</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">2,113<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,088<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">2,176<SUP>1</SUP></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 35%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Robert W. Kurtz</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/14/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/15/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/16/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/16/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">06/03/2019</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">.1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">.1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">420</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">297</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">203</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">.1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">500</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">John W. McCullough </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/04/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/02/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">146</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,484</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">155</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">162</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">182</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">160</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">148</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">196</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">193</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Elaine L. McDonald </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12/13/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">10/24/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">10/31/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/07/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">365</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">900</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">600</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,505</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Carissa L. Rodeheaver&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">07/18/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">09/16/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">09/16/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">10/15/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/04/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/15/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12/16/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">01/15/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/04/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/18/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/16/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/16/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">04/15/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">27</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">28</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">31</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">27</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">417</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">100</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">100</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">100</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,783</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">250</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,249</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">24</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">172</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">171</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">33</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">28</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">167</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">164</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">166</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">35</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">28</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">166</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">47</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">200</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">3,056<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,574<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">3,148<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">287</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 14%"><FONT STYLE="font-size: 10pt">Gary R. Ruddell</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 13%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 20%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 10%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">6</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">6</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">6</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">7</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">6</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">5</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">7</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">7</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,130</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 35%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">I. Robert Rudy</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">06/11/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">06/13/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12/12/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,200</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">539</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">10</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">10</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,273</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">9</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">12</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Jason B. Rush</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">42</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">43</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">48</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">42</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">37</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">50</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">49</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,581<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">829<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,563<SUP>1</SUP></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Keith R. Sanders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,550<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">798<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,597<SUP>1</SUP></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 14%"><FONT STYLE="font-size: 10pt">Marisa A. Shockley</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 13%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">11/01/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">02/03/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 20%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 10%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">61</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,484</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">70</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">74</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">81</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">70</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">69</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">92</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">90</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 35%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Tonya K. Sturm</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/22/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/26/2019</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/18/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">03/26/2020</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Phantom Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">5</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,000</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,850</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,491<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">781<SUP>1</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,563<SUP>1</SUP></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Sale</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Deferred Compensation Plan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">H. Andrew Walls, III</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/02/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/24/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">08/01/2018</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">05/22/2019</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Common Stock</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">68</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,484</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">71</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">1,546</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Open Market Purchase</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Grant, Award or Other Acquisition</P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Note:</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt"><I>(1)</I></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><I>The shares correspond to restricted stock units to be settled in shares of Common Stock if certain vesting conditions are satisfied.</I></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I></I></B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I></I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Miscellaneous Information Concerning Participants</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Other than as set forth
in this Appendix A or elsewhere in this Proxy Statement and based on the information provided by each Participant, none of the
Participants or their associates (i) beneficially owns (within the meaning of Rule 13d-3 under the Exchange Act), directly or indirectly,
or owns of record but not beneficially, any shares of Common Stock or other securities of the Corporation or any of its subsidiaries
or (ii) has any substantial interest, direct or indirect, by security holdings or otherwise, in any matter to be acted upon at
the Annual Meeting. In addition, neither the Corporation nor any of the Participants listed above is now or has been within the
past year a party to any contract, arrangement, or understanding with any person with respect to any of the Corporation&rsquo;s
securities, including, but not limited to, joint ventures, loan or option arrangements, puts or calls, guarantees against loss
or guarantees of profit, division of losses or profits, or the giving or withholding of proxies. No Participant has been convicted
in a criminal proceeding (excluding traffic violations and similar misdemeanors) during the past ten years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Other than as set forth
in this Appendix A or elsewhere in this Proxy Statement and based on the information provided by each Participant, neither the
Corporation nor any of the Participants listed above or any of their associates have or will have (i) any arrangements or understandings
with any person with respect to any future employment by the Corporation or its affiliates or with respect to any future transactions
to which the Corporation or any of its affiliates will or may be a party or (ii) a direct or indirect material interest in any
transaction or series of similar transactions since the beginning of our last fiscal year or any currently proposed transactions,
or series of similar transactions, to which the Corporation or any of its subsidiaries was or is to be a party in which the amount
involved exceeds $120,000.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ADDITIONAL INFORMATION REGARDING PARTICIPANTS
IN THE SOLICITATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Under applicable SEC rules
and regulations, members of the Board, the Board&rsquo;s nominees and certain officers and other employees of the Corporation are
 &ldquo;participants&rdquo; with respect to the Corporation&rsquo;s solicitation of proxies in connection with the Annual Meeting.
The following sets forth certain information about such persons (the &ldquo;Participants&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Directors and Director Nominees</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The names and present principal
occupation of our directors and director nominees, each a Participant, are set forth below. The business address for the Corporation&rsquo;s
current directors and director nominees is c/o First United Corporation, 19 South Second Street, Oakland, Maryland 21550-0009.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border-bottom: black 1pt solid"><B>Name</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 63%; border-bottom: black 1pt solid"><B>Present Principal Occupation</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Carissa L. Rodeheaver&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Chairman of the Board, President and CEO of First United Corporation and First United Bank &amp; Trust</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>John F. Barr</TD>
    <TD>&nbsp;</TD>
    <TD>President, Ellsworth Electric, Inc. </TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Brian R. Boal</TD>
    <TD>&nbsp;</TD>
    <TD>Owner, Boal and Associates, PC, Certified Public Accountants&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>M. Kathryn Burkey </TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Owner, M. Kathryn Burkey, CPA</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Owner, The Burkey Television and Appliance Co., Inc.&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Robert W. Kurtz </TD>
    <TD>&nbsp;</TD>
    <TD>Former (Retired) President, Chief Risk Officer, and Chief Financial Officer of First United Corporation and its affiliates </TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>John W. McCullough </TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Former (Retired) Partner of Ernst &amp; Young, LLP</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Lead Director of First United Corporation and First United Bank
        &amp; Trust</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Elaine L. McDonald </TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Former (Retired) Realtor with Long and Foster and Taylor-Made Realtors</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Owner, Alpine Village, Inc.</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Gary R. Ruddell</TD>
    <TD>&nbsp;</TD>
    <TD>President and CEO, Total Biz Fulfillment </TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>I. Robert Rudy </TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Owner, I.R. Rudy&rsquo;s Inc.&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Marisa A. Shockley </TD>
    <TD>&nbsp;</TD>
    <TD>Owner, Shockley, Inc. </TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>H. Andrew Walls, III</TD>
    <TD>&nbsp;</TD>
    <TD>Owner, Morgantown Printing &amp; Binding </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Officers and Employees</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Executive officers and
employees of the Corporation who are Participants are Robert L. Fisher and Jason B. Rush. The business address for each is c/o
First United Corporation, 19 South Second Street, Oakland, Maryland 21550-0009. Their present principal occupations are stated
below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border-bottom: black 1pt solid"><B>Name</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 63%; border-bottom: black 1pt solid"><B>Present Principal Occupation</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Robert L. Fisher, II</TD>
    <TD>&nbsp;</TD>
    <TD>Senior Vice President and Chief Lending Officer, First United Corporation </TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Jason B. Rush </TD>
    <TD>&nbsp;</TD>
    <TD>Senior Vice President and Chief Operating Officer, First United Corporation </TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Keith R. Sanders</TD>
    <TD>&nbsp;</TD>
    <TD>Senior Trust Officer, First United Corporation</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Tonya K. Sturm</TD>
    <TD>&nbsp;</TD>
    <TD>Senior Vice President and CFO, First United Corporation and First United Bank &amp; Trust</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>



<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">IMPORTANT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Your vote is
important, no matter how many shares of Common Stock you own. Driver urges you to sign, date, and return the enclosed WHITE proxy
card today to vote FOR the election of the Nominees and in accordance with Driver&rsquo;s recommendations on the other proposals
on the agenda for the Annual Meeting.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in"><B>Registered Owners
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">If your shares of
Common Stock are registered in your own name, please sign and date the enclosed <B>WHITE</B> proxy card and return it to Driver,
c/o Saratoga Proxy Consulting LLC (&ldquo;Saratoga&rdquo;), in the enclosed postage-paid envelope today. Stockholders also have
the following two options for authorizing a proxy to vote their shares:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Via the Internet at www.cesvote.com at any time prior to 11:59 p.m. Eastern Time on June 10, 2020
and follow the instructions provided on the&nbsp;<B>WHITE</B>&nbsp;proxy card; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">By telephone, by calling 1 (888) 693-8683 at any time prior to 11:59 p.m. Eastern Time on June
10, 2020, and follow the instructions provided on the&nbsp;<B>WHITE&nbsp;</B>proxy card.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Beneficial Owners</B> <FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">If your shares of
Common Stock are held in a brokerage account or bank, you are considered the beneficial owner of the shares of Common Stock, and
these proxy materials, together with a <B>WHITE</B> voting instruction form, are being forwarded to you by your broker or bank.
As a beneficial owner, if you wish to vote, you must instruct your broker, trustee or other representative how to vote. Your broker
cannot vote your shares of Common Stock on your behalf without your instructions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">Beneficial owners
may vote either by the Internet or toll-free telephone. Please refer to the enclosed instructions on how to vote by Internet or
telephone. You may also vote by signing, dating and returning the enclosed <B>WHITE</B> voting instruction form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-weight: normal">Since
only your latest dated proxy card will count, we urge you not to return any proxy card you receive from the Company. Even if you
return the management proxy card marked &ldquo;withhold&rdquo; as a protest against the incumbent directors, it will revoke any
proxy card you may have previously sent to us. Remember, you can vote for our three (3) Nominees only on our </FONT>WHITE <FONT STYLE="font-weight: normal">proxy
card. So please make certain that the latest dated proxy card you return is the </FONT>WHITE <FONT STYLE="font-weight: normal">proxy
card.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">If you have any
questions or require any additional information concerning this Proxy Statement, please contact Saratoga at the address set forth
below.&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>If you have any questions, require assistance
        in voting your <B>WHITE</B> proxy card,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>or need additional copies of Driver&rsquo;s
        proxy materials,</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>please contact Saratoga at the phone numbers
        listed below.</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 188px; width: 386px"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Stockholders call toll free at (888) 368-0379</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Email: info@saratogaproxy.com</I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">&nbsp;<IMG SRC="proxycard01.jpg" ALT="" STYLE="width: 1000">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><IMG SRC="proxycard02.jpg" ALT="" STYLE="width: 1000">&nbsp;</P>





























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